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$33,016
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,043
−HK$1,044/mo
Today · 4.125%
HK$35,087
baseline
▲ 0.50% · 4.625%
HK$37,222
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,174/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,730
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,715
−HK$1,000/mo
Today · 4.125%
HK$38,715
baseline
▲ 0.50% · 4.625%
HK$40,755
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,430/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,619
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,852
−HK$1,252/mo
Today · 4.125%
HK$42,104
baseline
▲ 0.50% · 4.625%
HK$44,666
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,208/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,076
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,258
−HK$1,200/mo
Today · 4.125%
HK$46,458
baseline
▲ 0.50% · 4.625%
HK$48,906
+HK$2,448/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,916/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,223
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,660
−HK$1,461/mo
Today · 4.125%
HK$49,121
baseline
▲ 0.50% · 4.625%
HK$52,110
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,242/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,422
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,801
−HK$1,399/mo
Today · 4.125%
HK$54,200
baseline
▲ 0.50% · 4.625%
HK$57,057
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,400/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,429
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,278
−HK$1,878/mo
Today · 4.125%
HK$63,156
baseline
▲ 0.50% · 4.625%
HK$66,999
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,312/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,888
−HK$1,798/mo
Today · 4.125%
HK$69,686
baseline
▲ 0.50% · 4.625%
HK$73,360
+HK$3,674/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,372/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,969 · Scale 2, in force from 26 Feb 2026)