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$33,174
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,206
−HK$1,048/mo
Today · 4.125%
HK$35,254
baseline
▲ 0.50% · 4.625%
HK$37,399
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,508/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,895
−HK$1,004/mo
Today · 4.125%
HK$38,899
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,051/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,798/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,809
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,047
−HK$1,258/mo
Today · 4.125%
HK$42,305
baseline
▲ 0.50% · 4.625%
HK$44,879
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,610/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,287
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,474
−HK$1,205/mo
Today · 4.125%
HK$46,679
baseline
▲ 0.50% · 4.625%
HK$49,140
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,358/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,443
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,888
−HK$1,468/mo
Today · 4.125%
HK$49,356
baseline
▲ 0.50% · 4.625%
HK$52,359
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,712/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,668
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,053
−HK$1,406/mo
Today · 4.125%
HK$54,459
baseline
▲ 0.50% · 4.625%
HK$57,330
+HK$2,871/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,918/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,713
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,570
−HK$1,887/mo
Today · 4.125%
HK$63,457
baseline
▲ 0.50% · 4.625%
HK$67,319
+HK$3,862/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,914/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,430
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,212
−HK$1,807/mo
Today · 4.125%
HK$70,019
baseline
▲ 0.50% · 4.625%
HK$73,710
+HK$3,691/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,038/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,561 · Scale 2, in force from 26 Feb 2026)