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$33,151
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,183
−HK$1,047/mo
Today · 4.125%
HK$35,230
baseline
▲ 0.50% · 4.625%
HK$37,374
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,460/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,881
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,870
−HK$1,003/mo
Today · 4.125%
HK$38,873
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,746/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,782
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,019
−HK$1,257/mo
Today · 4.125%
HK$42,276
baseline
▲ 0.50% · 4.625%
HK$44,849
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$84,552/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,257
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,444
−HK$1,204/mo
Today · 4.125%
HK$46,648
baseline
▲ 0.50% · 4.625%
HK$49,107
+HK$2,459/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$93,296/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,412
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,856
−HK$1,466/mo
Today · 4.125%
HK$49,322
baseline
▲ 0.50% · 4.625%
HK$52,324
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,644/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,633
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,018
−HK$1,404/mo
Today · 4.125%
HK$54,422
baseline
▲ 0.50% · 4.625%
HK$57,291
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,844/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,672
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,529
−HK$1,885/mo
Today · 4.125%
HK$63,414
baseline
▲ 0.50% · 4.625%
HK$67,273
+HK$3,859/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,828/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,385
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,165
−HK$1,807/mo
Today · 4.125%
HK$69,972
baseline
▲ 0.50% · 4.625%
HK$73,660
+HK$3,688/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,944/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,192 · Scale 2, in force from 26 Feb 2026)