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$33,192
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,225
−HK$1,049/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,420
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,926
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,916
−HK$1,005/mo
Today · 4.125%
HK$38,921
baseline
▲ 0.50% · 4.625%
HK$40,973
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,842/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,831
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,070
−HK$1,258/mo
Today · 4.125%
HK$42,328
baseline
▲ 0.50% · 4.625%
HK$44,904
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,656/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,311
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,500
−HK$1,205/mo
Today · 4.125%
HK$46,705
baseline
▲ 0.50% · 4.625%
HK$49,167
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,410/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,469
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,914
−HK$1,469/mo
Today · 4.125%
HK$49,383
baseline
▲ 0.50% · 4.625%
HK$52,388
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,766/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,696
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,083
−HK$1,406/mo
Today · 4.125%
HK$54,489
baseline
▲ 0.50% · 4.625%
HK$57,362
+HK$2,873/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,978/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,746
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,604
−HK$1,888/mo
Today · 4.125%
HK$63,492
baseline
▲ 0.50% · 4.625%
HK$67,356
+HK$3,864/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,984/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,467
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,249
−HK$1,809/mo
Today · 4.125%
HK$70,058
baseline
▲ 0.50% · 4.625%
HK$73,751
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,116/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,863 · Scale 2, in force from 26 Feb 2026)