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$33,038
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,066
−HK$1,044/mo
Today · 4.125%
HK$35,110
baseline
▲ 0.50% · 4.625%
HK$37,246
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,220/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,755
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,741
−HK$1,000/mo
Today · 4.125%
HK$38,741
baseline
▲ 0.50% · 4.625%
HK$40,783
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,482/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,646
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,879
−HK$1,253/mo
Today · 4.125%
HK$42,132
baseline
▲ 0.50% · 4.625%
HK$44,696
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,264/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,106
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,289
−HK$1,200/mo
Today · 4.125%
HK$46,489
baseline
▲ 0.50% · 4.625%
HK$48,939
+HK$2,450/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,978/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,254
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,692
−HK$1,462/mo
Today · 4.125%
HK$49,154
baseline
▲ 0.50% · 4.625%
HK$52,145
+HK$2,991/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,308/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,457
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,837
−HK$1,400/mo
Today · 4.125%
HK$54,237
baseline
▲ 0.50% · 4.625%
HK$57,096
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,474/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,469
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,319
−HK$1,879/mo
Today · 4.125%
HK$63,198
baseline
▲ 0.50% · 4.625%
HK$67,044
+HK$3,846/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,396/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,159
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,933
−HK$1,800/mo
Today · 4.125%
HK$69,733
baseline
▲ 0.50% · 4.625%
HK$73,409
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,466/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,333 · Scale 2, in force from 26 Feb 2026)