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$33,015
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,042
−HK$1,043/mo
Today · 4.125%
HK$35,085
baseline
▲ 0.50% · 4.625%
HK$37,220
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,170/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,728
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,713
−HK$1,000/mo
Today · 4.125%
HK$38,713
baseline
▲ 0.50% · 4.625%
HK$40,753
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,426/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,618
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,850
−HK$1,252/mo
Today · 4.125%
HK$42,102
baseline
▲ 0.50% · 4.625%
HK$44,664
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,204/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,074
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,256
−HK$1,199/mo
Today · 4.125%
HK$46,455
baseline
▲ 0.50% · 4.625%
HK$48,904
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,910/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,220
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,658
−HK$1,461/mo
Today · 4.125%
HK$49,119
baseline
▲ 0.50% · 4.625%
HK$52,108
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,238/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,420
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,799
−HK$1,399/mo
Today · 4.125%
HK$54,198
baseline
▲ 0.50% · 4.625%
HK$57,055
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,396/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,426
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,275
−HK$1,878/mo
Today · 4.125%
HK$63,153
baseline
▲ 0.50% · 4.625%
HK$66,996
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,306/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,111
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,884
−HK$1,799/mo
Today · 4.125%
HK$69,683
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,366/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,943 · Scale 2, in force from 26 Feb 2026)