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$33,022
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,049
−HK$1,044/mo
Today · 4.125%
HK$35,093
baseline
▲ 0.50% · 4.625%
HK$37,228
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,186/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,737
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,722
−HK$999/mo
Today · 4.125%
HK$38,721
baseline
▲ 0.50% · 4.625%
HK$40,762
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,442/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,626
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,859
−HK$1,252/mo
Today · 4.125%
HK$42,111
baseline
▲ 0.50% · 4.625%
HK$44,674
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,222/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,266
−HK$1,200/mo
Today · 4.125%
HK$46,466
baseline
▲ 0.50% · 4.625%
HK$48,915
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,932/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,231
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,461/mo
Today · 4.125%
HK$49,130
baseline
▲ 0.50% · 4.625%
HK$52,119
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,260/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,431
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,811
−HK$1,399/mo
Today · 4.125%
HK$54,210
baseline
▲ 0.50% · 4.625%
HK$57,067
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,420/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,440
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,289
−HK$1,878/mo
Today · 4.125%
HK$63,167
baseline
▲ 0.50% · 4.625%
HK$67,011
+HK$3,844/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,334/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,126
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,899
−HK$1,800/mo
Today · 4.125%
HK$69,699
baseline
▲ 0.50% · 4.625%
HK$73,372
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,398/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,065 · Scale 2, in force from 26 Feb 2026)