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$33,032
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,060
−HK$1,043/mo
Today · 4.125%
HK$35,103
baseline
▲ 0.50% · 4.625%
HK$37,239
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,206/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,748
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$1,000/mo
Today · 4.125%
HK$38,733
baseline
▲ 0.50% · 4.625%
HK$40,775
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,466/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,638
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,871
−HK$1,253/mo
Today · 4.125%
HK$42,124
baseline
▲ 0.50% · 4.625%
HK$44,687
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,248/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,097
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,280
−HK$1,200/mo
Today · 4.125%
HK$46,480
baseline
▲ 0.50% · 4.625%
HK$48,930
+HK$2,450/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,960/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,245
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,683
−HK$1,462/mo
Today · 4.125%
HK$49,145
baseline
▲ 0.50% · 4.625%
HK$52,135
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,290/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,447
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,827
−HK$1,399/mo
Today · 4.125%
HK$54,226
baseline
▲ 0.50% · 4.625%
HK$57,085
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,452/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,458
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,307
−HK$1,879/mo
Today · 4.125%
HK$63,186
baseline
▲ 0.50% · 4.625%
HK$67,031
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,372/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,146
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,920
−HK$1,800/mo
Today · 4.125%
HK$69,720
baseline
▲ 0.50% · 4.625%
HK$73,395
+HK$3,675/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,440/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,230 · Scale 2, in force from 26 Feb 2026)