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$33,016
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,043
−HK$1,043/mo
Today · 4.125%
HK$35,086
baseline
▲ 0.50% · 4.625%
HK$37,221
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,172/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,730
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,715
−HK$999/mo
Today · 4.125%
HK$38,714
baseline
▲ 0.50% · 4.625%
HK$40,755
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,428/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,619
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,851
−HK$1,253/mo
Today · 4.125%
HK$42,104
baseline
▲ 0.50% · 4.625%
HK$44,665
+HK$2,561/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,208/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,076
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,258
−HK$1,199/mo
Today · 4.125%
HK$46,457
baseline
▲ 0.50% · 4.625%
HK$48,906
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,914/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,222
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,660
−HK$1,461/mo
Today · 4.125%
HK$49,121
baseline
▲ 0.50% · 4.625%
HK$52,110
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,242/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,422
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,801
−HK$1,399/mo
Today · 4.125%
HK$54,200
baseline
▲ 0.50% · 4.625%
HK$57,057
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,400/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,429
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,277
−HK$1,878/mo
Today · 4.125%
HK$63,155
baseline
▲ 0.50% · 4.625%
HK$66,998
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,310/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,887
−HK$1,799/mo
Today · 4.125%
HK$69,686
baseline
▲ 0.50% · 4.625%
HK$73,359
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,372/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,964 · Scale 2, in force from 26 Feb 2026)