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$33,023
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$1,043/mo
Today · 4.125%
HK$35,094
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,188/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,738
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,723
−HK$1,000/mo
Today · 4.125%
HK$38,723
baseline
▲ 0.50% · 4.625%
HK$40,764
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,446/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,861
−HK$1,252/mo
Today · 4.125%
HK$42,113
baseline
▲ 0.50% · 4.625%
HK$44,676
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,226/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,086
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,200/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,233
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,461/mo
Today · 4.125%
HK$49,132
baseline
▲ 0.50% · 4.625%
HK$52,121
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,264/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,433
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,813
−HK$1,399/mo
Today · 4.125%
HK$54,212
baseline
▲ 0.50% · 4.625%
HK$57,070
+HK$2,858/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,424/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,442
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,291
−HK$1,879/mo
Today · 4.125%
HK$63,170
baseline
▲ 0.50% · 4.625%
HK$67,013
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,340/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,129
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,902
−HK$1,799/mo
Today · 4.125%
HK$69,701
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$3,674/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,402/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,087 · Scale 2, in force from 26 Feb 2026)