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$33,177
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,209
−HK$1,048/mo
Today · 4.125%
HK$35,257
baseline
▲ 0.50% · 4.625%
HK$37,402
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,514/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,909
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,898
−HK$1,005/mo
Today · 4.125%
HK$38,903
baseline
▲ 0.50% · 4.625%
HK$40,953
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,806/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,812
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,050
−HK$1,258/mo
Today · 4.125%
HK$42,308
baseline
▲ 0.50% · 4.625%
HK$44,883
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,616/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,290
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,478
−HK$1,205/mo
Today · 4.125%
HK$46,683
baseline
▲ 0.50% · 4.625%
HK$49,144
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,366/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,447
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,892
−HK$1,468/mo
Today · 4.125%
HK$49,360
baseline
▲ 0.50% · 4.625%
HK$52,363
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,720/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,672
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,058
−HK$1,406/mo
Today · 4.125%
HK$54,464
baseline
▲ 0.50% · 4.625%
HK$57,335
+HK$2,871/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,928/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,718
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,575
−HK$1,888/mo
Today · 4.125%
HK$63,463
baseline
▲ 0.50% · 4.625%
HK$67,324
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,926/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,436
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,217
−HK$1,808/mo
Today · 4.125%
HK$70,025
baseline
▲ 0.50% · 4.625%
HK$73,716
+HK$3,691/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,050/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,607 · Scale 2, in force from 26 Feb 2026)