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$33,150
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,181
−HK$1,048/mo
Today · 4.125%
HK$35,229
baseline
▲ 0.50% · 4.625%
HK$37,373
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,458/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,879
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,868
−HK$1,004/mo
Today · 4.125%
HK$38,872
baseline
▲ 0.50% · 4.625%
HK$40,921
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,744/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,780
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,018
−HK$1,257/mo
Today · 4.125%
HK$42,275
baseline
▲ 0.50% · 4.625%
HK$44,847
+HK$2,572/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$84,550/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,255
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,442
−HK$1,204/mo
Today · 4.125%
HK$46,646
baseline
▲ 0.50% · 4.625%
HK$49,105
+HK$2,459/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$93,292/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,410
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,854
−HK$1,467/mo
Today · 4.125%
HK$49,321
baseline
▲ 0.50% · 4.625%
HK$52,322
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,642/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,631
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,016
−HK$1,404/mo
Today · 4.125%
HK$54,420
baseline
▲ 0.50% · 4.625%
HK$57,289
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,840/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,670
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,526
−HK$1,886/mo
Today · 4.125%
HK$63,412
baseline
▲ 0.50% · 4.625%
HK$67,271
+HK$3,859/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,824/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,383
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,163
−HK$1,806/mo
Today · 4.125%
HK$69,969
baseline
▲ 0.50% · 4.625%
HK$73,657
+HK$3,688/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,938/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,172 · Scale 2, in force from 26 Feb 2026)