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$33,145
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,176
−HK$1,047/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,367
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,873
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,862
−HK$1,004/mo
Today · 4.125%
HK$38,866
baseline
▲ 0.50% · 4.625%
HK$40,914
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,732/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,774
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,011
−HK$1,257/mo
Today · 4.125%
HK$42,268
baseline
▲ 0.50% · 4.625%
HK$44,840
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,536/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,248
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,435
−HK$1,204/mo
Today · 4.125%
HK$46,639
baseline
▲ 0.50% · 4.625%
HK$49,097
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,278/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,403
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,846
−HK$1,467/mo
Today · 4.125%
HK$49,313
baseline
▲ 0.50% · 4.625%
HK$52,313
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,626/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,623
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,007
−HK$1,405/mo
Today · 4.125%
HK$54,412
baseline
▲ 0.50% · 4.625%
HK$57,280
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,824/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,661
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,517
−HK$1,885/mo
Today · 4.125%
HK$63,402
baseline
▲ 0.50% · 4.625%
HK$67,260
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,804/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,372
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,152
−HK$1,806/mo
Today · 4.125%
HK$69,958
baseline
▲ 0.50% · 4.625%
HK$73,646
+HK$3,688/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,916/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,086 · Scale 2, in force from 26 Feb 2026)