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$33,163
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$1,048/mo
Today · 4.125%
HK$35,243
baseline
▲ 0.50% · 4.625%
HK$37,387
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,486/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,894
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,883
−HK$1,004/mo
Today · 4.125%
HK$38,887
baseline
▲ 0.50% · 4.625%
HK$40,937
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,774/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,796
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,257/mo
Today · 4.125%
HK$42,291
baseline
▲ 0.50% · 4.625%
HK$44,865
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,582/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,272
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,460
−HK$1,204/mo
Today · 4.125%
HK$46,664
baseline
▲ 0.50% · 4.625%
HK$49,124
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,328/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,428
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,872
−HK$1,468/mo
Today · 4.125%
HK$49,340
baseline
▲ 0.50% · 4.625%
HK$52,342
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,680/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,651
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,036
−HK$1,406/mo
Today · 4.125%
HK$54,442
baseline
▲ 0.50% · 4.625%
HK$57,311
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,884/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,694
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,550
−HK$1,887/mo
Today · 4.125%
HK$63,437
baseline
▲ 0.50% · 4.625%
HK$67,297
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,874/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,408
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,189
−HK$1,807/mo
Today · 4.125%
HK$69,996
baseline
▲ 0.50% · 4.625%
HK$73,686
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,992/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,384 · Scale 2, in force from 26 Feb 2026)