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$33,038
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,066
−HK$1,044/mo
Today · 4.125%
HK$35,110
baseline
▲ 0.50% · 4.625%
HK$37,246
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,220/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,754
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,740
−HK$1,000/mo
Today · 4.125%
HK$38,740
baseline
▲ 0.50% · 4.625%
HK$40,782
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,480/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,645
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,879
−HK$1,253/mo
Today · 4.125%
HK$42,132
baseline
▲ 0.50% · 4.625%
HK$44,695
+HK$2,563/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,264/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,105
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,288
−HK$1,200/mo
Today · 4.125%
HK$46,488
baseline
▲ 0.50% · 4.625%
HK$48,938
+HK$2,450/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,976/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,253
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,692
−HK$1,461/mo
Today · 4.125%
HK$49,153
baseline
▲ 0.50% · 4.625%
HK$52,144
+HK$2,991/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,306/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,456
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,836
−HK$1,400/mo
Today · 4.125%
HK$54,236
baseline
▲ 0.50% · 4.625%
HK$57,095
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,472/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,468
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,318
−HK$1,879/mo
Today · 4.125%
HK$63,197
baseline
▲ 0.50% · 4.625%
HK$67,043
+HK$3,846/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,394/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,158
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,932
−HK$1,800/mo
Today · 4.125%
HK$69,732
baseline
▲ 0.50% · 4.625%
HK$73,408
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,464/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,325 · Scale 2, in force from 26 Feb 2026)