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$33,148
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,179
−HK$1,048/mo
Today · 4.125%
HK$35,227
baseline
▲ 0.50% · 4.625%
HK$37,370
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,454/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,877
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,003/mo
Today · 4.125%
HK$38,869
baseline
▲ 0.50% · 4.625%
HK$40,918
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,738/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,777
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,015
−HK$1,257/mo
Today · 4.125%
HK$42,272
baseline
▲ 0.50% · 4.625%
HK$44,844
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,544/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,252
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,439
−HK$1,204/mo
Today · 4.125%
HK$46,643
baseline
▲ 0.50% · 4.625%
HK$49,101
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,286/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,407
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,851
−HK$1,466/mo
Today · 4.125%
HK$49,317
baseline
▲ 0.50% · 4.625%
HK$52,318
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,634/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,627
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,012
−HK$1,405/mo
Today · 4.125%
HK$54,417
baseline
▲ 0.50% · 4.625%
HK$57,285
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,834/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,666
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,522
−HK$1,886/mo
Today · 4.125%
HK$63,408
baseline
▲ 0.50% · 4.625%
HK$67,266
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,816/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,378
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,158
−HK$1,806/mo
Today · 4.125%
HK$69,964
baseline
▲ 0.50% · 4.625%
HK$73,652
+HK$3,688/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,928/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,134 · Scale 2, in force from 26 Feb 2026)