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$33,143
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,174
−HK$1,048/mo
Today · 4.125%
HK$35,222
baseline
▲ 0.50% · 4.625%
HK$37,365
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,444/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,872
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,003/mo
Today · 4.125%
HK$38,864
baseline
▲ 0.50% · 4.625%
HK$40,912
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,728/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,772
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,009
−HK$1,257/mo
Today · 4.125%
HK$42,266
baseline
▲ 0.50% · 4.625%
HK$44,838
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,532/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,246
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,433
−HK$1,204/mo
Today · 4.125%
HK$46,637
baseline
▲ 0.50% · 4.625%
HK$49,095
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,274/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,401
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,467/mo
Today · 4.125%
HK$49,311
baseline
▲ 0.50% · 4.625%
HK$52,311
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,622/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,620
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,005
−HK$1,404/mo
Today · 4.125%
HK$54,409
baseline
▲ 0.50% · 4.625%
HK$57,277
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,818/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,658
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,514
−HK$1,885/mo
Today · 4.125%
HK$63,399
baseline
▲ 0.50% · 4.625%
HK$67,257
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,798/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,369
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,149
−HK$1,806/mo
Today · 4.125%
HK$69,955
baseline
▲ 0.50% · 4.625%
HK$73,642
+HK$3,687/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,910/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,062 · Scale 2, in force from 26 Feb 2026)