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$33,013
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,040
−HK$1,044/mo
Today · 4.125%
HK$35,084
baseline
▲ 0.50% · 4.625%
HK$37,218
+HK$2,134/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,168/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,727
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,712
−HK$999/mo
Today · 4.125%
HK$38,711
baseline
▲ 0.50% · 4.625%
HK$40,752
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,422/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,616
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,848
−HK$1,252/mo
Today · 4.125%
HK$42,100
baseline
▲ 0.50% · 4.625%
HK$44,662
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,200/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,073
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,255
−HK$1,199/mo
Today · 4.125%
HK$46,454
baseline
▲ 0.50% · 4.625%
HK$48,902
+HK$2,448/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,908/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,219
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,656
−HK$1,461/mo
Today · 4.125%
HK$49,117
baseline
▲ 0.50% · 4.625%
HK$52,106
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,234/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,418
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,797
−HK$1,399/mo
Today · 4.125%
HK$54,196
baseline
▲ 0.50% · 4.625%
HK$57,053
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,392/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,424
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,273
−HK$1,878/mo
Today · 4.125%
HK$63,151
baseline
▲ 0.50% · 4.625%
HK$66,993
+HK$3,842/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,302/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,109
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,882
−HK$1,798/mo
Today · 4.125%
HK$69,680
baseline
▲ 0.50% · 4.625%
HK$73,353
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,360/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,923 · Scale 2, in force from 26 Feb 2026)