The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$32,873
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,895
−HK$1,039/mo
Today · 4.125%
HK$34,934
baseline
▲ 0.50% · 4.625%
HK$37,060
+HK$2,126/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$69,868/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,571
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,551
−HK$995/mo
Today · 4.125%
HK$38,546
baseline
▲ 0.50% · 4.625%
HK$40,578
+HK$2,032/mo
Deposit HK$7.21M · loan HK$7.21M · min. income ≈ HK$77,092/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$540,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,447
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,674
−HK$1,247/mo
Today · 4.125%
HK$41,921
baseline
▲ 0.50% · 4.625%
HK$44,472
+HK$2,551/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$83,842/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,885
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,062
−HK$1,194/mo
Today · 4.125%
HK$46,256
baseline
▲ 0.50% · 4.625%
HK$48,694
+HK$2,438/mo
Deposit HK$5.77M · loan HK$8.65M · min. income ≈ HK$92,512/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$540,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,022
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,453
−HK$1,455/mo
Today · 4.125%
HK$48,908
baseline
▲ 0.50% · 4.625%
HK$51,884
+HK$2,976/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$97,816/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,199
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,572
−HK$1,393/mo
Today · 4.125%
HK$53,965
baseline
▲ 0.50% · 4.625%
HK$56,810
+HK$2,845/mo
Deposit HK$4.32M · loan HK$10.09M · min. income ≈ HK$107,930/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$540,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,171
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,012
−HK$1,870/mo
Today · 4.125%
HK$62,882
baseline
▲ 0.50% · 4.625%
HK$66,708
+HK$3,826/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$125,764/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,827
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,593
−HK$1,791/mo
Today · 4.125%
HK$69,384
baseline
▲ 0.50% · 4.625%
HK$73,041
+HK$3,657/mo
Deposit HK$1.44M · loan HK$12.97M · min. income ≈ HK$138,768/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$540,611 · Scale 2, in force from 26 Feb 2026)