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$32,825
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,846
−HK$1,037/mo
Today · 4.125%
HK$34,883
baseline
▲ 0.50% · 4.625%
HK$37,006
+HK$2,123/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$69,766/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,517
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$37,497
−HK$993/mo
Today · 4.125%
HK$38,490
baseline
▲ 0.50% · 4.625%
HK$40,519
+HK$2,029/mo
Deposit HK$7.20M · loan HK$7.20M · min. income ≈ HK$76,980/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$539,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,390
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,615
−HK$1,245/mo
Today · 4.125%
HK$41,860
baseline
▲ 0.50% · 4.625%
HK$44,407
+HK$2,547/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$83,720/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,821
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,996
−HK$1,192/mo
Today · 4.125%
HK$46,188
baseline
▲ 0.50% · 4.625%
HK$48,623
+HK$2,435/mo
Deposit HK$5.76M · loan HK$8.64M · min. income ≈ HK$92,376/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$539,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,955
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,384
−HK$1,453/mo
Today · 4.125%
HK$48,837
baseline
▲ 0.50% · 4.625%
HK$51,808
+HK$2,971/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$97,674/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,124
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,496
−HK$1,391/mo
Today · 4.125%
HK$53,887
baseline
▲ 0.50% · 4.625%
HK$56,727
+HK$2,840/mo
Deposit HK$4.32M · loan HK$10.08M · min. income ≈ HK$107,774/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$539,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,085
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,923
−HK$1,867/mo
Today · 4.125%
HK$62,790
baseline
▲ 0.50% · 4.625%
HK$66,611
+HK$3,821/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$125,580/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,731
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,494
−HK$1,789/mo
Today · 4.125%
HK$69,283
baseline
▲ 0.50% · 4.625%
HK$72,935
+HK$3,652/mo
Deposit HK$1.44M · loan HK$12.96M · min. income ≈ HK$138,566/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$539,825 · Scale 2, in force from 26 Feb 2026)