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$33,035
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,063
−HK$1,044/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$37,243
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,751
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,737
−HK$1,000/mo
Today · 4.125%
HK$38,737
baseline
▲ 0.50% · 4.625%
HK$40,779
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,474/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,642
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,875
−HK$1,253/mo
Today · 4.125%
HK$42,128
baseline
▲ 0.50% · 4.625%
HK$44,692
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,256/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,102
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,285
−HK$1,199/mo
Today · 4.125%
HK$46,484
baseline
▲ 0.50% · 4.625%
HK$48,935
+HK$2,451/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,968/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,249
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,688
−HK$1,462/mo
Today · 4.125%
HK$49,150
baseline
▲ 0.50% · 4.625%
HK$52,140
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,300/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,452
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,832
−HK$1,400/mo
Today · 4.125%
HK$54,232
baseline
▲ 0.50% · 4.625%
HK$57,090
+HK$2,858/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,464/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,464
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,313
−HK$1,879/mo
Today · 4.125%
HK$63,192
baseline
▲ 0.50% · 4.625%
HK$67,038
+HK$3,846/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,384/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,153
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,927
−HK$1,800/mo
Today · 4.125%
HK$69,727
baseline
▲ 0.50% · 4.625%
HK$73,402
+HK$3,675/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,454/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,283 · Scale 2, in force from 26 Feb 2026)