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$33,184
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,216
−HK$1,048/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,410
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,916
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,005/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$40,962
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,820
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,258/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,892
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,488
−HK$1,205/mo
Today · 4.125%
HK$46,693
baseline
▲ 0.50% · 4.625%
HK$49,154
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,386/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,457
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,468/mo
Today · 4.125%
HK$49,370
baseline
▲ 0.50% · 4.625%
HK$52,374
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,740/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,683
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,069
−HK$1,406/mo
Today · 4.125%
HK$54,475
baseline
▲ 0.50% · 4.625%
HK$57,347
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,950/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,730
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,588
−HK$1,888/mo
Today · 4.125%
HK$63,476
baseline
▲ 0.50% · 4.625%
HK$67,338
+HK$3,862/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,952/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,449
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,232
−HK$1,807/mo
Today · 4.125%
HK$70,039
baseline
▲ 0.50% · 4.625%
HK$73,731
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,078/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,721 · Scale 2, in force from 26 Feb 2026)