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$33,017
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,044
−HK$1,043/mo
Today · 4.125%
HK$35,087
baseline
▲ 0.50% · 4.625%
HK$37,222
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,174/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,731
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,716
−HK$999/mo
Today · 4.125%
HK$38,715
baseline
▲ 0.50% · 4.625%
HK$40,756
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,430/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,620
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,853
−HK$1,252/mo
Today · 4.125%
HK$42,105
baseline
▲ 0.50% · 4.625%
HK$44,667
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,210/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,077
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,259
−HK$1,199/mo
Today · 4.125%
HK$46,458
baseline
▲ 0.50% · 4.625%
HK$48,907
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,916/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,224
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,661
−HK$1,461/mo
Today · 4.125%
HK$49,122
baseline
▲ 0.50% · 4.625%
HK$52,111
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,244/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,423
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,802
−HK$1,400/mo
Today · 4.125%
HK$54,202
baseline
▲ 0.50% · 4.625%
HK$57,059
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,404/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,430
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,279
−HK$1,878/mo
Today · 4.125%
HK$63,157
baseline
▲ 0.50% · 4.625%
HK$67,000
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,314/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,116
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,889
−HK$1,799/mo
Today · 4.125%
HK$69,688
baseline
▲ 0.50% · 4.625%
HK$73,361
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,376/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,980 · Scale 2, in force from 26 Feb 2026)