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$32,996
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,022
−HK$1,043/mo
Today · 4.125%
HK$35,065
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$2,134/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,130/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,708
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,692
−HK$999/mo
Today · 4.125%
HK$38,691
baseline
▲ 0.50% · 4.625%
HK$40,730
+HK$2,039/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,382/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,595
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,827
−HK$1,251/mo
Today · 4.125%
HK$42,078
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,561/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,156/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,049
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,231
−HK$1,198/mo
Today · 4.125%
HK$46,429
baseline
▲ 0.50% · 4.625%
HK$48,877
+HK$2,448/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,858/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,195
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,631
−HK$1,460/mo
Today · 4.125%
HK$49,091
baseline
▲ 0.50% · 4.625%
HK$52,078
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,182/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,391
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,769
−HK$1,398/mo
Today · 4.125%
HK$54,167
baseline
▲ 0.50% · 4.625%
HK$57,023
+HK$2,856/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,334/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,393
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,240
−HK$1,877/mo
Today · 4.125%
HK$63,117
baseline
▲ 0.50% · 4.625%
HK$66,958
+HK$3,841/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,234/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,074
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,846
−HK$1,798/mo
Today · 4.125%
HK$69,644
baseline
▲ 0.50% · 4.625%
HK$73,315
+HK$3,671/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,288/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,638 · Scale 2, in force from 26 Feb 2026)