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$33,005
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,032
−HK$1,043/mo
Today · 4.125%
HK$35,075
baseline
▲ 0.50% · 4.625%
HK$37,209
+HK$2,134/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,150/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,718
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,702
−HK$999/mo
Today · 4.125%
HK$38,701
baseline
▲ 0.50% · 4.625%
HK$40,741
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,402/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,606
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,838
−HK$1,252/mo
Today · 4.125%
HK$42,090
baseline
▲ 0.50% · 4.625%
HK$44,651
+HK$2,561/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,180/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,061
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,243
−HK$1,199/mo
Today · 4.125%
HK$46,442
baseline
▲ 0.50% · 4.625%
HK$48,890
+HK$2,448/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,884/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,207
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,644
−HK$1,461/mo
Today · 4.125%
HK$49,105
baseline
▲ 0.50% · 4.625%
HK$52,092
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,210/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,405
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,783
−HK$1,399/mo
Today · 4.125%
HK$54,182
baseline
▲ 0.50% · 4.625%
HK$57,038
+HK$2,856/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,364/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,409
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,257
−HK$1,877/mo
Today · 4.125%
HK$63,134
baseline
▲ 0.50% · 4.625%
HK$66,976
+HK$3,842/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,268/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,092
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,864
−HK$1,799/mo
Today · 4.125%
HK$69,663
baseline
▲ 0.50% · 4.625%
HK$73,335
+HK$3,672/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,326/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,784 · Scale 2, in force from 26 Feb 2026)