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$33,168
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$1,048/mo
Today · 4.125%
HK$35,247
baseline
▲ 0.50% · 4.625%
HK$37,392
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,494/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,899
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,888
−HK$1,004/mo
Today · 4.125%
HK$38,892
baseline
▲ 0.50% · 4.625%
HK$40,942
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,784/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,801
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,039
−HK$1,258/mo
Today · 4.125%
HK$42,297
baseline
▲ 0.50% · 4.625%
HK$44,871
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,594/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,278
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,466
−HK$1,204/mo
Today · 4.125%
HK$46,670
baseline
▲ 0.50% · 4.625%
HK$49,131
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,340/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,435
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,879
−HK$1,467/mo
Today · 4.125%
HK$49,346
baseline
▲ 0.50% · 4.625%
HK$52,349
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,692/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,658
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,043
−HK$1,406/mo
Today · 4.125%
HK$54,449
baseline
▲ 0.50% · 4.625%
HK$57,319
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,898/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,702
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,559
−HK$1,886/mo
Today · 4.125%
HK$63,445
baseline
▲ 0.50% · 4.625%
HK$67,306
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,890/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,417
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,199
−HK$1,807/mo
Today · 4.125%
HK$70,006
baseline
▲ 0.50% · 4.625%
HK$73,696
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,012/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,458 · Scale 2, in force from 26 Feb 2026)