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$33,176
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,208
−HK$1,048/mo
Today · 4.125%
HK$35,256
baseline
▲ 0.50% · 4.625%
HK$37,402
+HK$2,146/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,512/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,908
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,898
−HK$1,004/mo
Today · 4.125%
HK$38,902
baseline
▲ 0.50% · 4.625%
HK$40,952
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,804/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,811
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,049
−HK$1,259/mo
Today · 4.125%
HK$42,308
baseline
▲ 0.50% · 4.625%
HK$44,882
+HK$2,574/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$545,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,289
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,477
−HK$1,205/mo
Today · 4.125%
HK$46,682
baseline
▲ 0.50% · 4.625%
HK$49,143
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,364/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,446
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,891
−HK$1,468/mo
Today · 4.125%
HK$49,359
baseline
▲ 0.50% · 4.625%
HK$52,362
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,718/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,671
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,057
−HK$1,406/mo
Today · 4.125%
HK$54,463
baseline
▲ 0.50% · 4.625%
HK$57,333
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,926/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,717
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,574
−HK$1,887/mo
Today · 4.125%
HK$63,461
baseline
▲ 0.50% · 4.625%
HK$67,323
+HK$3,862/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,922/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,434
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,216
−HK$1,807/mo
Today · 4.125%
HK$70,023
baseline
▲ 0.50% · 4.625%
HK$73,714
+HK$3,691/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,046/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,595 · Scale 2, in force from 26 Feb 2026)