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$34,050
−HK$1,044/mo
Today · 4.125%
HK$35,094
baseline
▲ 0.50% · 4.625%
HK$37,229
+HK$2,135/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$543,080 · 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$543,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,860
−HK$1,253/mo
Today · 4.125%
HK$42,113
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,562/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$543,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,199/mo
Today · 4.125%
HK$46,467
baseline
▲ 0.50% · 4.625%
HK$48,916
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,934/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,232
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,670
−HK$1,461/mo
Today · 4.125%
HK$49,131
baseline
▲ 0.50% · 4.625%
HK$52,121
+HK$2,990/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,262/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,433
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,812
−HK$1,400/mo
Today · 4.125%
HK$54,212
baseline
▲ 0.50% · 4.625%
HK$57,069
+HK$2,857/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$543,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,441
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,290
−HK$1,879/mo
Today · 4.125%
HK$63,169
baseline
▲ 0.50% · 4.625%
HK$67,012
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,338/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,128
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,901
−HK$1,800/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$543,080 · Scale 2, in force from 26 Feb 2026)