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$33,147
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,178
−HK$1,047/mo
Today · 4.125%
HK$35,225
baseline
▲ 0.50% · 4.625%
HK$37,369
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,450/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,875
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,864
−HK$1,003/mo
Today · 4.125%
HK$38,867
baseline
▲ 0.50% · 4.625%
HK$40,916
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,734/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,776
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,013
−HK$1,257/mo
Today · 4.125%
HK$42,270
baseline
▲ 0.50% · 4.625%
HK$44,842
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,540/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,250
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,437
−HK$1,204/mo
Today · 4.125%
HK$46,641
baseline
▲ 0.50% · 4.625%
HK$49,099
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,282/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,405
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,849
−HK$1,466/mo
Today · 4.125%
HK$49,315
baseline
▲ 0.50% · 4.625%
HK$52,316
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,630/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,625
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,010
−HK$1,404/mo
Today · 4.125%
HK$54,414
baseline
▲ 0.50% · 4.625%
HK$57,283
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,828/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,664
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,520
−HK$1,885/mo
Today · 4.125%
HK$63,405
baseline
▲ 0.50% · 4.625%
HK$67,263
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,810/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,375
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,156
−HK$1,805/mo
Today · 4.125%
HK$69,961
baseline
▲ 0.50% · 4.625%
HK$73,649
+HK$3,688/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,922/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,113 · Scale 2, in force from 26 Feb 2026)