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$33,180
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$1,048/mo
Today · 4.125%
HK$35,260
baseline
▲ 0.50% · 4.625%
HK$37,406
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,520/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,912
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,902
−HK$1,004/mo
Today · 4.125%
HK$38,906
baseline
▲ 0.50% · 4.625%
HK$40,957
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,812/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,815
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,054
−HK$1,258/mo
Today · 4.125%
HK$42,312
baseline
▲ 0.50% · 4.625%
HK$44,887
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,624/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,294
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,482
−HK$1,205/mo
Today · 4.125%
HK$46,687
baseline
▲ 0.50% · 4.625%
HK$49,148
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,374/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,451
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,896
−HK$1,468/mo
Today · 4.125%
HK$49,364
baseline
▲ 0.50% · 4.625%
HK$52,368
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,728/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,677
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,063
−HK$1,406/mo
Today · 4.125%
HK$54,469
baseline
▲ 0.50% · 4.625%
HK$57,340
+HK$2,871/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,938/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,723
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,581
−HK$1,887/mo
Today · 4.125%
HK$63,468
baseline
▲ 0.50% · 4.625%
HK$67,330
+HK$3,862/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,936/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,441
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,223
−HK$1,808/mo
Today · 4.125%
HK$70,031
baseline
▲ 0.50% · 4.625%
HK$73,722
+HK$3,691/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,062/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,655 · Scale 2, in force from 26 Feb 2026)