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$33,037
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$1,044/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$37,245
+HK$2,137/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,753
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,739
−HK$1,000/mo
Today · 4.125%
HK$38,739
baseline
▲ 0.50% · 4.625%
HK$40,781
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,478/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,644
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,877
−HK$1,253/mo
Today · 4.125%
HK$42,130
baseline
▲ 0.50% · 4.625%
HK$44,694
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,260/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,104
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,286
−HK$1,200/mo
Today · 4.125%
HK$46,486
baseline
▲ 0.50% · 4.625%
HK$48,937
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,972/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,251
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,690
−HK$1,462/mo
Today · 4.125%
HK$49,152
baseline
▲ 0.50% · 4.625%
HK$52,142
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,304/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,454
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,834
−HK$1,400/mo
Today · 4.125%
HK$54,234
baseline
▲ 0.50% · 4.625%
HK$57,093
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,468/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,466
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,316
−HK$1,879/mo
Today · 4.125%
HK$63,195
baseline
▲ 0.50% · 4.625%
HK$67,040
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,390/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,155
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,930
−HK$1,799/mo
Today · 4.125%
HK$69,729
baseline
▲ 0.50% · 4.625%
HK$73,405
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,458/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,305 · Scale 2, in force from 26 Feb 2026)