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$33,028
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,055
−HK$1,044/mo
Today · 4.125%
HK$35,099
baseline
▲ 0.50% · 4.625%
HK$37,235
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,198/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,743
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,728
−HK$1,000/mo
Today · 4.125%
HK$38,728
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,456/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,633
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,866
−HK$1,253/mo
Today · 4.125%
HK$42,119
baseline
▲ 0.50% · 4.625%
HK$44,681
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,238/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,092
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,274
−HK$1,200/mo
Today · 4.125%
HK$46,474
baseline
▲ 0.50% · 4.625%
HK$48,924
+HK$2,450/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,948/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,239
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,677
−HK$1,461/mo
Today · 4.125%
HK$49,138
baseline
▲ 0.50% · 4.625%
HK$52,128
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,276/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,440
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,820
−HK$1,399/mo
Today · 4.125%
HK$54,219
baseline
▲ 0.50% · 4.625%
HK$57,077
+HK$2,858/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,438/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,450
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,299
−HK$1,879/mo
Today · 4.125%
HK$63,178
baseline
▲ 0.50% · 4.625%
HK$67,022
+HK$3,844/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,356/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,138
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,911
−HK$1,800/mo
Today · 4.125%
HK$69,711
baseline
▲ 0.50% · 4.625%
HK$73,385
+HK$3,674/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,422/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,159 · Scale 2, in force from 26 Feb 2026)