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$33,161
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,193
−HK$1,048/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,385
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,892
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,881
−HK$1,004/mo
Today · 4.125%
HK$38,885
baseline
▲ 0.50% · 4.625%
HK$40,935
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,770/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,794
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,032
−HK$1,257/mo
Today · 4.125%
HK$42,289
baseline
▲ 0.50% · 4.625%
HK$44,862
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,578/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,270
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,457
−HK$1,205/mo
Today · 4.125%
HK$46,662
baseline
▲ 0.50% · 4.625%
HK$49,121
+HK$2,459/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,324/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,426
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,870
−HK$1,467/mo
Today · 4.125%
HK$49,337
baseline
▲ 0.50% · 4.625%
HK$52,339
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,674/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,648
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,034
−HK$1,405/mo
Today · 4.125%
HK$54,439
baseline
▲ 0.50% · 4.625%
HK$57,308
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,878/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,691
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,547
−HK$1,887/mo
Today · 4.125%
HK$63,434
baseline
▲ 0.50% · 4.625%
HK$67,293
+HK$3,859/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,868/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,405
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,186
−HK$1,807/mo
Today · 4.125%
HK$69,993
baseline
▲ 0.50% · 4.625%
HK$73,682
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,986/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,357 · Scale 2, in force from 26 Feb 2026)