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$33,036
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$1,044/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$37,244
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,752
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,738
−HK$1,000/mo
Today · 4.125%
HK$38,738
baseline
▲ 0.50% · 4.625%
HK$40,780
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,476/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,643
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,876
−HK$1,253/mo
Today · 4.125%
HK$42,129
baseline
▲ 0.50% · 4.625%
HK$44,693
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,258/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,103
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,286
−HK$1,199/mo
Today · 4.125%
HK$46,485
baseline
▲ 0.50% · 4.625%
HK$48,936
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,970/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,250
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,689
−HK$1,462/mo
Today · 4.125%
HK$49,151
baseline
▲ 0.50% · 4.625%
HK$52,141
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,302/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,453
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,833
−HK$1,400/mo
Today · 4.125%
HK$54,233
baseline
▲ 0.50% · 4.625%
HK$57,092
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,466/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,465
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,315
−HK$1,879/mo
Today · 4.125%
HK$63,194
baseline
▲ 0.50% · 4.625%
HK$67,039
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,388/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,154
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,928
−HK$1,800/mo
Today · 4.125%
HK$69,728
baseline
▲ 0.50% · 4.625%
HK$73,404
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,456/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,295 · Scale 2, in force from 26 Feb 2026)