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$33,040
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,068
−HK$1,044/mo
Today · 4.125%
HK$35,112
baseline
▲ 0.50% · 4.625%
HK$37,249
+HK$2,137/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,224/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,757
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,000/mo
Today · 4.125%
HK$38,743
baseline
▲ 0.50% · 4.625%
HK$40,785
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,486/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,648
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,882
−HK$1,253/mo
Today · 4.125%
HK$42,135
baseline
▲ 0.50% · 4.625%
HK$44,698
+HK$2,563/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,270/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,108
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,291
−HK$1,200/mo
Today · 4.125%
HK$46,491
baseline
▲ 0.50% · 4.625%
HK$48,942
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,982/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,256
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,695
−HK$1,462/mo
Today · 4.125%
HK$49,157
baseline
▲ 0.50% · 4.625%
HK$52,148
+HK$2,991/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,314/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,460
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,840
−HK$1,400/mo
Today · 4.125%
HK$54,240
baseline
▲ 0.50% · 4.625%
HK$57,099
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,480/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,472
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,322
−HK$1,880/mo
Today · 4.125%
HK$63,202
baseline
▲ 0.50% · 4.625%
HK$67,048
+HK$3,846/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,404/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,162
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,937
−HK$1,800/mo
Today · 4.125%
HK$69,737
baseline
▲ 0.50% · 4.625%
HK$73,413
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,474/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,364 · Scale 2, in force from 26 Feb 2026)