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$33,020
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,047
−HK$1,043/mo
Today · 4.125%
HK$35,090
baseline
▲ 0.50% · 4.625%
HK$37,226
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,180/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,734
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,719
−HK$1,000/mo
Today · 4.125%
HK$38,719
baseline
▲ 0.50% · 4.625%
HK$40,760
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,438/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,624
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,252/mo
Today · 4.125%
HK$42,108
baseline
▲ 0.50% · 4.625%
HK$44,671
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,216/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,081
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,263
−HK$1,200/mo
Today · 4.125%
HK$46,463
baseline
▲ 0.50% · 4.625%
HK$48,912
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,926/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,228
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,666
−HK$1,461/mo
Today · 4.125%
HK$49,127
baseline
▲ 0.50% · 4.625%
HK$52,116
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,254/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,428
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,807
−HK$1,399/mo
Today · 4.125%
HK$54,206
baseline
▲ 0.50% · 4.625%
HK$57,064
+HK$2,858/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,412/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,436
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,284
−HK$1,879/mo
Today · 4.125%
HK$63,163
baseline
▲ 0.50% · 4.625%
HK$67,006
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,326/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,121
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,895
−HK$1,799/mo
Today · 4.125%
HK$69,694
baseline
▲ 0.50% · 4.625%
HK$73,367
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,388/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,027 · Scale 2, in force from 26 Feb 2026)