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$33,035
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,062
−HK$1,044/mo
Today · 4.125%
HK$35,106
baseline
▲ 0.50% · 4.625%
HK$37,242
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,212/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,751
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,736
−HK$1,000/mo
Today · 4.125%
HK$38,736
baseline
▲ 0.50% · 4.625%
HK$40,778
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,472/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,642
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,875
−HK$1,252/mo
Today · 4.125%
HK$42,127
baseline
▲ 0.50% · 4.625%
HK$44,691
+HK$2,564/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,254/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,101
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,284
−HK$1,200/mo
Today · 4.125%
HK$46,484
baseline
▲ 0.50% · 4.625%
HK$48,934
+HK$2,450/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,968/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,249
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,687
−HK$1,462/mo
Today · 4.125%
HK$49,149
baseline
▲ 0.50% · 4.625%
HK$52,139
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,298/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,451
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,831
−HK$1,400/mo
Today · 4.125%
HK$54,231
baseline
▲ 0.50% · 4.625%
HK$57,089
+HK$2,858/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,462/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,462
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,312
−HK$1,879/mo
Today · 4.125%
HK$63,191
baseline
▲ 0.50% · 4.625%
HK$67,036
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,382/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,151
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,925
−HK$1,800/mo
Today · 4.125%
HK$69,725
baseline
▲ 0.50% · 4.625%
HK$73,401
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,450/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,273 · Scale 2, in force from 26 Feb 2026)