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$33,144
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,175
−HK$1,047/mo
Today · 4.125%
HK$35,222
baseline
▲ 0.50% · 4.625%
HK$37,366
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,444/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,872
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,004/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$40,913
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,773
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,010
−HK$1,257/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,839
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,247
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,434
−HK$1,203/mo
Today · 4.125%
HK$46,637
baseline
▲ 0.50% · 4.625%
HK$49,096
+HK$2,459/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,274/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,402
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,845
−HK$1,466/mo
Today · 4.125%
HK$49,311
baseline
▲ 0.50% · 4.625%
HK$52,312
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,622/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,621
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,006
−HK$1,404/mo
Today · 4.125%
HK$54,410
baseline
▲ 0.50% · 4.625%
HK$57,278
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,820/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,659
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,515
−HK$1,885/mo
Today · 4.125%
HK$63,400
baseline
▲ 0.50% · 4.625%
HK$67,258
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,800/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,370
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,150
−HK$1,806/mo
Today · 4.125%
HK$69,956
baseline
▲ 0.50% · 4.625%
HK$73,644
+HK$3,688/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,912/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,072 · Scale 2, in force from 26 Feb 2026)