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$2,071/mo
▼ 0.25% · 3.875%
HK$34,044
−HK$1,044/mo
Today · 4.125%
HK$35,088
baseline
▲ 0.50% · 4.625%
HK$37,223
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,176/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,731
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,717
−HK$999/mo
Today · 4.125%
HK$38,716
baseline
▲ 0.50% · 4.625%
HK$40,757
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,432/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,621
−HK$2,484/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$542,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,078
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,260
−HK$1,199/mo
Today · 4.125%
HK$46,459
baseline
▲ 0.50% · 4.625%
HK$48,908
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,918/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,224
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,662
−HK$1,461/mo
Today · 4.125%
HK$49,123
baseline
▲ 0.50% · 4.625%
HK$52,112
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,246/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,424
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,803
−HK$1,399/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$542,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,431
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,280
−HK$1,878/mo
Today · 4.125%
HK$63,158
baseline
▲ 0.50% · 4.625%
HK$67,001
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,316/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,117
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,890
−HK$1,799/mo
Today · 4.125%
HK$69,689
baseline
▲ 0.50% · 4.625%
HK$73,362
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,378/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,987 · Scale 2, in force from 26 Feb 2026)