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$33,012
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,039
−HK$1,044/mo
Today · 4.125%
HK$35,083
baseline
▲ 0.50% · 4.625%
HK$37,217
+HK$2,134/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,166/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,726
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,711
−HK$999/mo
Today · 4.125%
HK$38,710
baseline
▲ 0.50% · 4.625%
HK$40,751
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,420/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,615
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,847
−HK$1,252/mo
Today · 4.125%
HK$42,099
baseline
▲ 0.50% · 4.625%
HK$44,661
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,198/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,071
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,253
−HK$1,199/mo
Today · 4.125%
HK$46,452
baseline
▲ 0.50% · 4.625%
HK$48,901
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,904/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,217
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,655
−HK$1,461/mo
Today · 4.125%
HK$49,116
baseline
▲ 0.50% · 4.625%
HK$52,104
+HK$2,988/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,232/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,416
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,795
−HK$1,399/mo
Today · 4.125%
HK$54,194
baseline
▲ 0.50% · 4.625%
HK$57,051
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,388/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,422
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,271
−HK$1,878/mo
Today · 4.125%
HK$63,149
baseline
▲ 0.50% · 4.625%
HK$66,991
+HK$3,842/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,298/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,107
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,880
−HK$1,798/mo
Today · 4.125%
HK$69,678
baseline
▲ 0.50% · 4.625%
HK$73,351
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,356/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,907 · Scale 2, in force from 26 Feb 2026)