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$2,080/mo
▼ 0.25% · 3.875%
HK$34,213
−HK$1,048/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,903
−HK$1,004/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,817
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,055
−HK$1,259/mo
Today · 4.125%
HK$42,314
baseline
▲ 0.50% · 4.625%
HK$44,888
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,628/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,296
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,484
−HK$1,205/mo
Today · 4.125%
HK$46,689
baseline
▲ 0.50% · 4.625%
HK$49,150
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,378/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,453
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,898
−HK$1,468/mo
Today · 4.125%
HK$49,366
baseline
▲ 0.50% · 4.625%
HK$52,370
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,732/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,678
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,064
−HK$1,406/mo
Today · 4.125%
HK$54,470
baseline
▲ 0.50% · 4.625%
HK$57,342
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,940/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,725
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,583
−HK$1,888/mo
Today · 4.125%
HK$63,471
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,862/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,942/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,444
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,226
−HK$1,807/mo
Today · 4.125%
HK$70,033
baseline
▲ 0.50% · 4.625%
HK$73,725
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,066/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,674 · Scale 2, in force from 26 Feb 2026)