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$32,996
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,023
−HK$1,042/mo
Today · 4.125%
HK$35,065
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$2,134/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,130/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,708
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,693
−HK$998/mo
Today · 4.125%
HK$38,691
baseline
▲ 0.50% · 4.625%
HK$40,731
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,382/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,596
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,827
−HK$1,252/mo
Today · 4.125%
HK$42,079
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,560/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$84,158/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,050
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,231
−HK$1,199/mo
Today · 4.125%
HK$46,430
baseline
▲ 0.50% · 4.625%
HK$48,877
+HK$2,447/mo
Deposit HK$5.79M · loan HK$8.68M · min. income ≈ HK$92,860/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,195
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,632
−HK$1,460/mo
Today · 4.125%
HK$49,092
baseline
▲ 0.50% · 4.625%
HK$52,079
+HK$2,987/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,184/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,391
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,770
−HK$1,398/mo
Today · 4.125%
HK$54,168
baseline
▲ 0.50% · 4.625%
HK$57,023
+HK$2,855/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,336/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$542,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,393
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,241
−HK$1,877/mo
Today · 4.125%
HK$63,118
baseline
▲ 0.50% · 4.625%
HK$66,958
+HK$3,840/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$126,236/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,075
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,847
−HK$1,797/mo
Today · 4.125%
HK$69,644
baseline
▲ 0.50% · 4.625%
HK$73,315
+HK$3,671/mo
Deposit HK$1.45M · loan HK$13.02M · min. income ≈ HK$139,288/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,642 · Scale 2, in force from 26 Feb 2026)