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$33,154
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,185
−HK$1,048/mo
Today · 4.125%
HK$35,233
baseline
▲ 0.50% · 4.625%
HK$37,377
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,466/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,884
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,003/mo
Today · 4.125%
HK$38,876
baseline
▲ 0.50% · 4.625%
HK$40,926
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,752/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,785
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,022
−HK$1,258/mo
Today · 4.125%
HK$42,280
baseline
▲ 0.50% · 4.625%
HK$44,852
+HK$2,572/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$84,560/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,260
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,447
−HK$1,205/mo
Today · 4.125%
HK$46,652
baseline
▲ 0.50% · 4.625%
HK$49,111
+HK$2,459/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$93,304/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,416
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,860
−HK$1,466/mo
Today · 4.125%
HK$49,326
baseline
▲ 0.50% · 4.625%
HK$52,328
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,652/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,637
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,022
−HK$1,405/mo
Today · 4.125%
HK$54,427
baseline
▲ 0.50% · 4.625%
HK$57,296
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,854/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,677
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,534
−HK$1,886/mo
Today · 4.125%
HK$63,420
baseline
▲ 0.50% · 4.625%
HK$67,279
+HK$3,859/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,840/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,390
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,171
−HK$1,806/mo
Today · 4.125%
HK$69,977
baseline
▲ 0.50% · 4.625%
HK$73,666
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,954/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,237 · Scale 2, in force from 26 Feb 2026)