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$33,028
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,056
−HK$1,044/mo
Today · 4.125%
HK$35,100
baseline
▲ 0.50% · 4.625%
HK$37,235
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,200/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,744
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,729
−HK$1,000/mo
Today · 4.125%
HK$38,729
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,458/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,634
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,867
−HK$1,252/mo
Today · 4.125%
HK$42,119
baseline
▲ 0.50% · 4.625%
HK$44,682
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,238/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,093
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,275
−HK$1,200/mo
Today · 4.125%
HK$46,475
baseline
▲ 0.50% · 4.625%
HK$48,924
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,950/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,240
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,678
−HK$1,461/mo
Today · 4.125%
HK$49,139
baseline
▲ 0.50% · 4.625%
HK$52,129
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,278/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,441
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,821
−HK$1,399/mo
Today · 4.125%
HK$54,220
baseline
▲ 0.50% · 4.625%
HK$57,079
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,440/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,451
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,300
−HK$1,879/mo
Today · 4.125%
HK$63,179
baseline
▲ 0.50% · 4.625%
HK$67,024
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,358/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,139
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,913
−HK$1,799/mo
Today · 4.125%
HK$69,712
baseline
▲ 0.50% · 4.625%
HK$73,387
+HK$3,675/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,424/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,170 · Scale 2, in force from 26 Feb 2026)