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$33,158
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,190
−HK$1,048/mo
Today · 4.125%
HK$35,238
baseline
▲ 0.50% · 4.625%
HK$37,382
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,476/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,888
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,878
−HK$1,003/mo
Today · 4.125%
HK$38,881
baseline
▲ 0.50% · 4.625%
HK$40,931
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,762/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,790
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,028
−HK$1,257/mo
Today · 4.125%
HK$42,285
baseline
▲ 0.50% · 4.625%
HK$44,858
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$84,570/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,266
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,453
−HK$1,204/mo
Today · 4.125%
HK$46,657
baseline
▲ 0.50% · 4.625%
HK$49,117
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$93,314/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,422
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,866
−HK$1,467/mo
Today · 4.125%
HK$49,333
baseline
▲ 0.50% · 4.625%
HK$52,334
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,666/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,644
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,029
−HK$1,405/mo
Today · 4.125%
HK$54,434
baseline
▲ 0.50% · 4.625%
HK$57,303
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,868/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,685
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,541
−HK$1,887/mo
Today · 4.125%
HK$63,428
baseline
▲ 0.50% · 4.625%
HK$67,287
+HK$3,859/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,856/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,399
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,180
−HK$1,806/mo
Today · 4.125%
HK$69,986
baseline
▲ 0.50% · 4.625%
HK$73,675
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,972/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,306 · Scale 2, in force from 26 Feb 2026)