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$33,024
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$1,044/mo
Today · 4.125%
HK$35,095
baseline
▲ 0.50% · 4.625%
HK$37,231
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,190/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,739
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,724
−HK$1,000/mo
Today · 4.125%
HK$38,724
baseline
▲ 0.50% · 4.625%
HK$40,765
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,448/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,629
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,862
−HK$1,252/mo
Today · 4.125%
HK$42,114
baseline
▲ 0.50% · 4.625%
HK$44,677
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,228/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,087
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,269
−HK$1,200/mo
Today · 4.125%
HK$46,469
baseline
▲ 0.50% · 4.625%
HK$48,918
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,938/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,234
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,672
−HK$1,461/mo
Today · 4.125%
HK$49,133
baseline
▲ 0.50% · 4.625%
HK$52,123
+HK$2,990/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,266/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,435
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,814
−HK$1,400/mo
Today · 4.125%
HK$54,214
baseline
▲ 0.50% · 4.625%
HK$57,071
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,428/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,444
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,293
−HK$1,878/mo
Today · 4.125%
HK$63,171
baseline
▲ 0.50% · 4.625%
HK$67,015
+HK$3,844/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,342/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,130
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,904
−HK$1,799/mo
Today · 4.125%
HK$69,703
baseline
▲ 0.50% · 4.625%
HK$73,377
+HK$3,674/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,406/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,101 · Scale 2, in force from 26 Feb 2026)