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$33,160
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,191
−HK$1,048/mo
Today · 4.125%
HK$35,239
baseline
▲ 0.50% · 4.625%
HK$37,383
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,478/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,890
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,004/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,792
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,029
−HK$1,258/mo
Today · 4.125%
HK$42,287
baseline
▲ 0.50% · 4.625%
HK$44,860
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,574/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,268
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,455
−HK$1,204/mo
Today · 4.125%
HK$46,659
baseline
▲ 0.50% · 4.625%
HK$49,119
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,318/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,868
−HK$1,467/mo
Today · 4.125%
HK$49,335
baseline
▲ 0.50% · 4.625%
HK$52,337
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,670/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,646
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,031
−HK$1,405/mo
Today · 4.125%
HK$54,436
baseline
▲ 0.50% · 4.625%
HK$57,305
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,872/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,687
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,544
−HK$1,886/mo
Today · 4.125%
HK$63,430
baseline
▲ 0.50% · 4.625%
HK$67,290
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,860/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,402
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,183
−HK$1,806/mo
Today · 4.125%
HK$69,989
baseline
▲ 0.50% · 4.625%
HK$73,678
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,978/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,329 · Scale 2, in force from 26 Feb 2026)