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$33,141
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,172
−HK$1,048/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$545,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,869
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,858
−HK$1,003/mo
Today · 4.125%
HK$38,861
baseline
▲ 0.50% · 4.625%
HK$40,910
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,722/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,770
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$41,007
−HK$1,256/mo
Today · 4.125%
HK$42,263
baseline
▲ 0.50% · 4.625%
HK$44,835
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,526/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,243
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,430
−HK$1,204/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,092
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,398
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,841
−HK$1,466/mo
Today · 4.125%
HK$49,307
baseline
▲ 0.50% · 4.625%
HK$52,308
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,614/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,617
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,001
−HK$1,405/mo
Today · 4.125%
HK$54,406
baseline
▲ 0.50% · 4.625%
HK$57,274
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,812/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,654
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,510
−HK$1,885/mo
Today · 4.125%
HK$63,395
baseline
▲ 0.50% · 4.625%
HK$67,253
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,790/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,365
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,145
−HK$1,805/mo
Today · 4.125%
HK$69,950
baseline
▲ 0.50% · 4.625%
HK$73,637
+HK$3,687/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,900/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,026 · Scale 2, in force from 26 Feb 2026)