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$33,000
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,026
−HK$1,043/mo
Today · 4.125%
HK$35,069
baseline
▲ 0.50% · 4.625%
HK$37,203
+HK$2,134/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,138/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,712
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,697
−HK$998/mo
Today · 4.125%
HK$38,695
baseline
▲ 0.50% · 4.625%
HK$40,735
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,390/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,600
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,831
−HK$1,252/mo
Today · 4.125%
HK$42,083
baseline
▲ 0.50% · 4.625%
HK$44,644
+HK$2,561/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,166/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,054
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,236
−HK$1,198/mo
Today · 4.125%
HK$46,434
baseline
▲ 0.50% · 4.625%
HK$48,882
+HK$2,448/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,868/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,200
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,637
−HK$1,460/mo
Today · 4.125%
HK$49,097
baseline
▲ 0.50% · 4.625%
HK$52,084
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,194/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,397
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,775
−HK$1,398/mo
Today · 4.125%
HK$54,173
baseline
▲ 0.50% · 4.625%
HK$57,029
+HK$2,856/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,346/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,400
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,247
−HK$1,877/mo
Today · 4.125%
HK$63,124
baseline
▲ 0.50% · 4.625%
HK$66,965
+HK$3,841/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,248/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,081
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,854
−HK$1,798/mo
Today · 4.125%
HK$69,652
baseline
▲ 0.50% · 4.625%
HK$73,323
+HK$3,671/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,304/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,699 · Scale 2, in force from 26 Feb 2026)