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$33,172
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,204
−HK$1,048/mo
Today · 4.125%
HK$35,252
baseline
▲ 0.50% · 4.625%
HK$37,397
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,504/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,903
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,893
−HK$1,004/mo
Today · 4.125%
HK$38,897
baseline
▲ 0.50% · 4.625%
HK$40,947
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,794/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,806
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,044
−HK$1,258/mo
Today · 4.125%
HK$42,302
baseline
▲ 0.50% · 4.625%
HK$44,876
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,604/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,284
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,472
−HK$1,204/mo
Today · 4.125%
HK$46,676
baseline
▲ 0.50% · 4.625%
HK$49,137
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,352/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,440
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,885
−HK$1,468/mo
Today · 4.125%
HK$49,353
baseline
▲ 0.50% · 4.625%
HK$52,356
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,706/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,664
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,050
−HK$1,406/mo
Today · 4.125%
HK$54,456
baseline
▲ 0.50% · 4.625%
HK$57,326
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,912/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,709
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,566
−HK$1,887/mo
Today · 4.125%
HK$63,453
baseline
▲ 0.50% · 4.625%
HK$67,314
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,906/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,426
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,207
−HK$1,808/mo
Today · 4.125%
HK$70,015
baseline
▲ 0.50% · 4.625%
HK$73,705
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,030/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,527 · Scale 2, in force from 26 Feb 2026)