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$33,142
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,173
−HK$1,047/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,363
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,870
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,859
−HK$1,003/mo
Today · 4.125%
HK$38,862
baseline
▲ 0.50% · 4.625%
HK$40,911
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,724/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,770
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,008
−HK$1,256/mo
Today · 4.125%
HK$42,264
baseline
▲ 0.50% · 4.625%
HK$44,836
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,528/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,244
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,431
−HK$1,204/mo
Today · 4.125%
HK$46,635
baseline
▲ 0.50% · 4.625%
HK$49,093
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,270/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,399
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,842
−HK$1,467/mo
Today · 4.125%
HK$49,309
baseline
▲ 0.50% · 4.625%
HK$52,309
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,618/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,618
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,003
−HK$1,404/mo
Today · 4.125%
HK$54,407
baseline
▲ 0.50% · 4.625%
HK$57,275
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,814/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,656
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,511
−HK$1,886/mo
Today · 4.125%
HK$63,397
baseline
▲ 0.50% · 4.625%
HK$67,254
+HK$3,857/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,794/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,366
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,146
−HK$1,806/mo
Today · 4.125%
HK$69,952
baseline
▲ 0.50% · 4.625%
HK$73,639
+HK$3,687/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,904/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,039 · Scale 2, in force from 26 Feb 2026)