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$2,080/mo
▼ 0.25% · 3.875%
HK$34,192
−HK$1,048/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,384
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,890
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,880
−HK$1,004/mo
Today · 4.125%
HK$38,884
baseline
▲ 0.50% · 4.625%
HK$40,933
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,768/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,792
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,030
−HK$1,258/mo
Today · 4.125%
HK$42,288
baseline
▲ 0.50% · 4.625%
HK$44,861
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,576/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,269
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,204/mo
Today · 4.125%
HK$46,660
baseline
▲ 0.50% · 4.625%
HK$49,120
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,320/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,868
−HK$1,468/mo
Today · 4.125%
HK$49,336
baseline
▲ 0.50% · 4.625%
HK$52,338
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,672/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,647
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,032
−HK$1,405/mo
Today · 4.125%
HK$54,437
baseline
▲ 0.50% · 4.625%
HK$57,306
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,874/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,688
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,545
−HK$1,886/mo
Today · 4.125%
HK$63,431
baseline
▲ 0.50% · 4.625%
HK$67,291
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,862/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,403
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,184
−HK$1,806/mo
Today · 4.125%
HK$69,990
baseline
▲ 0.50% · 4.625%
HK$73,680
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,980/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,338 · Scale 2, in force from 26 Feb 2026)