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$33,031
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,058
−HK$1,044/mo
Today · 4.125%
HK$35,102
baseline
▲ 0.50% · 4.625%
HK$37,238
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,204/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,746
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,732
−HK$1,000/mo
Today · 4.125%
HK$38,732
baseline
▲ 0.50% · 4.625%
HK$40,773
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,464/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,637
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,870
−HK$1,252/mo
Today · 4.125%
HK$42,122
baseline
▲ 0.50% · 4.625%
HK$44,685
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,244/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,096
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,278
−HK$1,200/mo
Today · 4.125%
HK$46,478
baseline
▲ 0.50% · 4.625%
HK$48,928
+HK$2,450/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,956/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,243
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,681
−HK$1,462/mo
Today · 4.125%
HK$49,143
baseline
▲ 0.50% · 4.625%
HK$52,133
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,286/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,445
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,824
−HK$1,400/mo
Today · 4.125%
HK$54,224
baseline
▲ 0.50% · 4.625%
HK$57,082
+HK$2,858/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,448/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,455
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,305
−HK$1,879/mo
Today · 4.125%
HK$63,184
baseline
▲ 0.50% · 4.625%
HK$67,028
+HK$3,844/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,368/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,143
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,917
−HK$1,800/mo
Today · 4.125%
HK$69,717
baseline
▲ 0.50% · 4.625%
HK$73,392
+HK$3,675/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,434/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,206 · Scale 2, in force from 26 Feb 2026)