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$33,034
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$1,044/mo
Today · 4.125%
HK$35,105
baseline
▲ 0.50% · 4.625%
HK$37,241
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,210/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,750
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,000/mo
Today · 4.125%
HK$38,735
baseline
▲ 0.50% · 4.625%
HK$40,777
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,470/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,641
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,874
−HK$1,252/mo
Today · 4.125%
HK$42,126
baseline
▲ 0.50% · 4.625%
HK$44,690
+HK$2,564/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,252/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,100
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,282
−HK$1,200/mo
Today · 4.125%
HK$46,482
baseline
▲ 0.50% · 4.625%
HK$48,932
+HK$2,450/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,964/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,247
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,686
−HK$1,461/mo
Today · 4.125%
HK$49,147
baseline
▲ 0.50% · 4.625%
HK$52,138
+HK$2,991/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,294/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,450
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,829
−HK$1,400/mo
Today · 4.125%
HK$54,229
baseline
▲ 0.50% · 4.625%
HK$57,088
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,458/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,461
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,310
−HK$1,879/mo
Today · 4.125%
HK$63,189
baseline
▲ 0.50% · 4.625%
HK$67,034
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,378/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,150
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,924
−HK$1,799/mo
Today · 4.125%
HK$69,723
baseline
▲ 0.50% · 4.625%
HK$73,399
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,446/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,258 · Scale 2, in force from 26 Feb 2026)