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$33,165
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,196
−HK$1,049/mo
Today · 4.125%
HK$35,245
baseline
▲ 0.50% · 4.625%
HK$37,389
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,490/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,896
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,885
−HK$1,004/mo
Today · 4.125%
HK$38,889
baseline
▲ 0.50% · 4.625%
HK$40,939
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,778/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,798
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,036
−HK$1,257/mo
Today · 4.125%
HK$42,293
baseline
▲ 0.50% · 4.625%
HK$44,867
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,586/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,275
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,462
−HK$1,205/mo
Today · 4.125%
HK$46,667
baseline
▲ 0.50% · 4.625%
HK$49,127
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,334/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,431
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,875
−HK$1,467/mo
Today · 4.125%
HK$49,342
baseline
▲ 0.50% · 4.625%
HK$52,345
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,684/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,654
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,039
−HK$1,405/mo
Today · 4.125%
HK$54,444
baseline
▲ 0.50% · 4.625%
HK$57,314
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,888/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,697
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,554
−HK$1,886/mo
Today · 4.125%
HK$63,440
baseline
▲ 0.50% · 4.625%
HK$67,300
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,880/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,412
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,193
−HK$1,807/mo
Today · 4.125%
HK$70,000
baseline
▲ 0.50% · 4.625%
HK$73,690
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,000/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,414 · Scale 2, in force from 26 Feb 2026)