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$33,027
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,054
−HK$1,044/mo
Today · 4.125%
HK$35,098
baseline
▲ 0.50% · 4.625%
HK$37,233
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,196/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,742
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,727
−HK$1,000/mo
Today · 4.125%
HK$38,727
baseline
▲ 0.50% · 4.625%
HK$40,768
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,454/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,632
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,865
−HK$1,252/mo
Today · 4.125%
HK$42,117
baseline
▲ 0.50% · 4.625%
HK$44,680
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,234/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,090
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,273
−HK$1,199/mo
Today · 4.125%
HK$46,472
baseline
▲ 0.50% · 4.625%
HK$48,922
+HK$2,450/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,944/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,237
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,675
−HK$1,462/mo
Today · 4.125%
HK$49,137
baseline
▲ 0.50% · 4.625%
HK$52,126
+HK$2,989/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,274/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,438
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,818
−HK$1,399/mo
Today · 4.125%
HK$54,217
baseline
▲ 0.50% · 4.625%
HK$57,075
+HK$2,858/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,434/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,448
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,297
−HK$1,879/mo
Today · 4.125%
HK$63,176
baseline
▲ 0.50% · 4.625%
HK$67,020
+HK$3,844/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,352/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,135
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,909
−HK$1,799/mo
Today · 4.125%
HK$69,708
baseline
▲ 0.50% · 4.625%
HK$73,383
+HK$3,675/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,416/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,139 · Scale 2, in force from 26 Feb 2026)