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$33,183
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,215
−HK$1,049/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,409
+HK$2,145/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,916
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,004/mo
Today · 4.125%
HK$38,910
baseline
▲ 0.50% · 4.625%
HK$40,961
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,820/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,819
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,058
−HK$1,258/mo
Today · 4.125%
HK$42,316
baseline
▲ 0.50% · 4.625%
HK$44,891
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,632/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,299
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,487
−HK$1,205/mo
Today · 4.125%
HK$46,692
baseline
▲ 0.50% · 4.625%
HK$49,153
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,384/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,456
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,901
−HK$1,468/mo
Today · 4.125%
HK$49,369
baseline
▲ 0.50% · 4.625%
HK$52,373
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,738/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,682
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,068
−HK$1,406/mo
Today · 4.125%
HK$54,474
baseline
▲ 0.50% · 4.625%
HK$57,345
+HK$2,871/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,948/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,729
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,587
−HK$1,888/mo
Today · 4.125%
HK$63,475
baseline
▲ 0.50% · 4.625%
HK$67,337
+HK$3,862/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,950/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,448
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,230
−HK$1,808/mo
Today · 4.125%
HK$70,038
baseline
▲ 0.50% · 4.625%
HK$73,730
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,076/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,710 · Scale 2, in force from 26 Feb 2026)