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$33,188
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$1,049/mo
Today · 4.125%
HK$35,269
baseline
▲ 0.50% · 4.625%
HK$37,415
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,538/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,921
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,912
−HK$1,004/mo
Today · 4.125%
HK$38,916
baseline
▲ 0.50% · 4.625%
HK$40,967
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,832/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,826
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,065
−HK$1,258/mo
Today · 4.125%
HK$42,323
baseline
▲ 0.50% · 4.625%
HK$44,898
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,646/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,306
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,494
−HK$1,205/mo
Today · 4.125%
HK$46,699
baseline
▲ 0.50% · 4.625%
HK$49,161
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,398/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,463
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,909
−HK$1,468/mo
Today · 4.125%
HK$49,377
baseline
▲ 0.50% · 4.625%
HK$52,381
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,754/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,690
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,076
−HK$1,407/mo
Today · 4.125%
HK$54,483
baseline
▲ 0.50% · 4.625%
HK$57,354
+HK$2,871/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,966/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,739
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,597
−HK$1,888/mo
Today · 4.125%
HK$63,485
baseline
▲ 0.50% · 4.625%
HK$67,348
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,970/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,459
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,241
−HK$1,808/mo
Today · 4.125%
HK$70,049
baseline
▲ 0.50% · 4.625%
HK$73,741
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,098/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,796 · Scale 2, in force from 26 Feb 2026)