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$33,178
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,211
−HK$1,048/mo
Today · 4.125%
HK$35,259
baseline
▲ 0.50% · 4.625%
HK$37,404
+HK$2,145/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,518/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,911
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,901
−HK$1,004/mo
Today · 4.125%
HK$38,905
baseline
▲ 0.50% · 4.625%
HK$40,956
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,810/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,814
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,053
−HK$1,258/mo
Today · 4.125%
HK$42,311
baseline
▲ 0.50% · 4.625%
HK$44,885
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,622/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,293
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,481
−HK$1,205/mo
Today · 4.125%
HK$46,686
baseline
▲ 0.50% · 4.625%
HK$49,147
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,372/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,450
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,895
−HK$1,468/mo
Today · 4.125%
HK$49,363
baseline
▲ 0.50% · 4.625%
HK$52,366
+HK$3,003/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,726/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,675
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,061
−HK$1,406/mo
Today · 4.125%
HK$54,467
baseline
▲ 0.50% · 4.625%
HK$57,338
+HK$2,871/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,934/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,721
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,579
−HK$1,887/mo
Today · 4.125%
HK$63,466
baseline
▲ 0.50% · 4.625%
HK$67,328
+HK$3,862/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,932/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,439
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,221
−HK$1,808/mo
Today · 4.125%
HK$70,029
baseline
▲ 0.50% · 4.625%
HK$73,720
+HK$3,691/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,058/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,638 · Scale 2, in force from 26 Feb 2026)