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$33,021
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,048
−HK$1,043/mo
Today · 4.125%
HK$35,091
baseline
▲ 0.50% · 4.625%
HK$37,227
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,182/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,735
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,720
−HK$1,000/mo
Today · 4.125%
HK$38,720
baseline
▲ 0.50% · 4.625%
HK$40,761
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,440/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,625
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,857
−HK$1,253/mo
Today · 4.125%
HK$42,110
baseline
▲ 0.50% · 4.625%
HK$44,672
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,220/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,082
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,264
−HK$1,200/mo
Today · 4.125%
HK$46,464
baseline
▲ 0.50% · 4.625%
HK$48,913
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,928/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,229
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,667
−HK$1,461/mo
Today · 4.125%
HK$49,128
baseline
▲ 0.50% · 4.625%
HK$52,117
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,256/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,429
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,808
−HK$1,400/mo
Today · 4.125%
HK$54,208
baseline
▲ 0.50% · 4.625%
HK$57,065
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,416/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,437
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,286
−HK$1,878/mo
Today · 4.125%
HK$63,164
baseline
▲ 0.50% · 4.625%
HK$67,008
+HK$3,844/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,328/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,123
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,897
−HK$1,799/mo
Today · 4.125%
HK$69,696
baseline
▲ 0.50% · 4.625%
HK$73,369
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,392/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,042 · Scale 2, in force from 26 Feb 2026)