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$33,008
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,035
−HK$1,043/mo
Today · 4.125%
HK$35,078
baseline
▲ 0.50% · 4.625%
HK$37,213
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,156/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,722
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,706
−HK$1,000/mo
Today · 4.125%
HK$38,706
baseline
▲ 0.50% · 4.625%
HK$40,746
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,412/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,610
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,842
−HK$1,252/mo
Today · 4.125%
HK$42,094
baseline
▲ 0.50% · 4.625%
HK$44,655
+HK$2,561/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,188/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,066
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,248
−HK$1,199/mo
Today · 4.125%
HK$46,447
baseline
▲ 0.50% · 4.625%
HK$48,895
+HK$2,448/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,894/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,212
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,649
−HK$1,461/mo
Today · 4.125%
HK$49,110
baseline
▲ 0.50% · 4.625%
HK$52,098
+HK$2,988/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,220/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,410
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,789
−HK$1,399/mo
Today · 4.125%
HK$54,188
baseline
▲ 0.50% · 4.625%
HK$57,044
+HK$2,856/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,376/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,415
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,263
−HK$1,878/mo
Today · 4.125%
HK$63,141
baseline
▲ 0.50% · 4.625%
HK$66,983
+HK$3,842/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,282/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,099
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,872
−HK$1,798/mo
Today · 4.125%
HK$69,670
baseline
▲ 0.50% · 4.625%
HK$73,342
+HK$3,672/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,340/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,842 · Scale 2, in force from 26 Feb 2026)