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$33,019
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$1,043/mo
Today · 4.125%
HK$35,089
baseline
▲ 0.50% · 4.625%
HK$37,224
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,178/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,733
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,718
−HK$1,000/mo
Today · 4.125%
HK$38,718
baseline
▲ 0.50% · 4.625%
HK$40,758
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,436/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,622
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,855
−HK$1,252/mo
Today · 4.125%
HK$42,107
baseline
▲ 0.50% · 4.625%
HK$44,669
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,214/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,080
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,262
−HK$1,199/mo
Today · 4.125%
HK$46,461
baseline
▲ 0.50% · 4.625%
HK$48,910
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,922/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,226
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,664
−HK$1,461/mo
Today · 4.125%
HK$49,125
baseline
▲ 0.50% · 4.625%
HK$52,114
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,250/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,426
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,805
−HK$1,400/mo
Today · 4.125%
HK$54,205
baseline
▲ 0.50% · 4.625%
HK$57,062
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,410/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,434
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,282
−HK$1,879/mo
Today · 4.125%
HK$63,161
baseline
▲ 0.50% · 4.625%
HK$67,004
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,322/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,119
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,893
−HK$1,799/mo
Today · 4.125%
HK$69,692
baseline
▲ 0.50% · 4.625%
HK$73,365
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,384/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,011 · Scale 2, in force from 26 Feb 2026)