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$33,013
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,040
−HK$1,043/mo
Today · 4.125%
HK$35,083
baseline
▲ 0.50% · 4.625%
HK$37,218
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,166/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,727
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,712
−HK$999/mo
Today · 4.125%
HK$38,711
baseline
▲ 0.50% · 4.625%
HK$40,751
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,422/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,616
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,848
−HK$1,252/mo
Today · 4.125%
HK$42,100
baseline
▲ 0.50% · 4.625%
HK$44,662
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,200/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,072
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,254
−HK$1,199/mo
Today · 4.125%
HK$46,453
baseline
▲ 0.50% · 4.625%
HK$48,902
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,906/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,218
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,656
−HK$1,460/mo
Today · 4.125%
HK$49,116
baseline
▲ 0.50% · 4.625%
HK$52,105
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,232/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,417
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,796
−HK$1,399/mo
Today · 4.125%
HK$54,195
baseline
▲ 0.50% · 4.625%
HK$57,052
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,390/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,423
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,272
−HK$1,878/mo
Today · 4.125%
HK$63,150
baseline
▲ 0.50% · 4.625%
HK$66,992
+HK$3,842/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,300/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,108
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,881
−HK$1,799/mo
Today · 4.125%
HK$69,680
baseline
▲ 0.50% · 4.625%
HK$73,352
+HK$3,672/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,360/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,916 · Scale 2, in force from 26 Feb 2026)