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$2,072/mo
▼ 0.25% · 3.875%
HK$34,065
−HK$1,044/mo
Today · 4.125%
HK$35,109
baseline
▲ 0.50% · 4.625%
HK$37,245
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,218/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,312 · 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$543,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,644
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,878
−HK$1,253/mo
Today · 4.125%
HK$42,131
baseline
▲ 0.50% · 4.625%
HK$44,694
+HK$2,563/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,262/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,104
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,287
−HK$1,200/mo
Today · 4.125%
HK$46,487
baseline
▲ 0.50% · 4.625%
HK$48,937
+HK$2,450/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,974/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,252
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,691
−HK$1,461/mo
Today · 4.125%
HK$49,152
baseline
▲ 0.50% · 4.625%
HK$52,143
+HK$2,991/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$543,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,455
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,835
−HK$1,400/mo
Today · 4.125%
HK$54,235
baseline
▲ 0.50% · 4.625%
HK$57,093
+HK$2,858/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,470/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,467
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,316
−HK$1,880/mo
Today · 4.125%
HK$63,196
baseline
▲ 0.50% · 4.625%
HK$67,041
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,392/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,156
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,930
−HK$1,800/mo
Today · 4.125%
HK$69,730
baseline
▲ 0.50% · 4.625%
HK$73,406
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,460/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,312 · Scale 2, in force from 26 Feb 2026)