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$33,031
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,058
−HK$1,044/mo
Today · 4.125%
HK$35,102
baseline
▲ 0.50% · 4.625%
HK$37,238
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,204/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,747
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,732
−HK$1,000/mo
Today · 4.125%
HK$38,732
baseline
▲ 0.50% · 4.625%
HK$40,774
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,464/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,637
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,870
−HK$1,253/mo
Today · 4.125%
HK$42,123
baseline
▲ 0.50% · 4.625%
HK$44,686
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,246/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,096
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,279
−HK$1,199/mo
Today · 4.125%
HK$46,478
baseline
▲ 0.50% · 4.625%
HK$48,928
+HK$2,450/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,956/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,243
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,682
−HK$1,461/mo
Today · 4.125%
HK$49,143
baseline
▲ 0.50% · 4.625%
HK$52,134
+HK$2,991/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,286/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,445
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,825
−HK$1,400/mo
Today · 4.125%
HK$54,225
baseline
▲ 0.50% · 4.625%
HK$57,083
+HK$2,858/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,450/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,456
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,305
−HK$1,879/mo
Today · 4.125%
HK$63,184
baseline
▲ 0.50% · 4.625%
HK$67,029
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,368/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,144
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,918
−HK$1,800/mo
Today · 4.125%
HK$69,718
baseline
▲ 0.50% · 4.625%
HK$73,392
+HK$3,674/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,436/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,213 · Scale 2, in force from 26 Feb 2026)