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$33,181
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$1,048/mo
Today · 4.125%
HK$35,262
baseline
▲ 0.50% · 4.625%
HK$37,408
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,524/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,914
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,004/mo
Today · 4.125%
HK$38,908
baseline
▲ 0.50% · 4.625%
HK$40,959
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,816/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,818
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,259/mo
Today · 4.125%
HK$42,315
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,630/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,205/mo
Today · 4.125%
HK$46,690
baseline
▲ 0.50% · 4.625%
HK$49,151
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,380/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,454
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,899
−HK$1,468/mo
Today · 4.125%
HK$49,367
baseline
▲ 0.50% · 4.625%
HK$52,371
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,734/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,680
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,066
−HK$1,406/mo
Today · 4.125%
HK$54,472
baseline
▲ 0.50% · 4.625%
HK$57,343
+HK$2,871/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,944/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,727
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,584
−HK$1,888/mo
Today · 4.125%
HK$63,472
baseline
▲ 0.50% · 4.625%
HK$67,334
+HK$3,862/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,944/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,445
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,227
−HK$1,808/mo
Today · 4.125%
HK$70,035
baseline
▲ 0.50% · 4.625%
HK$73,727
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,070/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,686 · Scale 2, in force from 26 Feb 2026)