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$33,140
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,171
−HK$1,047/mo
Today · 4.125%
HK$35,218
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,436/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,868
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,857
−HK$1,003/mo
Today · 4.125%
HK$38,860
baseline
▲ 0.50% · 4.625%
HK$40,908
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,720/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,768
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,005
−HK$1,257/mo
Today · 4.125%
HK$42,262
baseline
▲ 0.50% · 4.625%
HK$44,833
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,524/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,241
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,428
−HK$1,204/mo
Today · 4.125%
HK$46,632
baseline
▲ 0.50% · 4.625%
HK$49,090
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,264/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,396
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,839
−HK$1,466/mo
Today · 4.125%
HK$49,305
baseline
▲ 0.50% · 4.625%
HK$52,305
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,610/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,615
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$52,999
−HK$1,405/mo
Today · 4.125%
HK$54,404
baseline
▲ 0.50% · 4.625%
HK$57,271
+HK$2,867/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,808/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,652
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,507
−HK$1,886/mo
Today · 4.125%
HK$63,393
baseline
▲ 0.50% · 4.625%
HK$67,250
+HK$3,857/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,786/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,362
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,142
−HK$1,805/mo
Today · 4.125%
HK$69,947
baseline
▲ 0.50% · 4.625%
HK$73,634
+HK$3,687/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,894/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,004 · Scale 2, in force from 26 Feb 2026)