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$33,172
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,204
−HK$1,049/mo
Today · 4.125%
HK$35,253
baseline
▲ 0.50% · 4.625%
HK$37,398
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,506/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,904
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,894
−HK$1,004/mo
Today · 4.125%
HK$38,898
baseline
▲ 0.50% · 4.625%
HK$40,948
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,796/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,807
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,045
−HK$1,258/mo
Today · 4.125%
HK$42,303
baseline
▲ 0.50% · 4.625%
HK$44,877
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,606/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,285
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,473
−HK$1,204/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,138
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,441
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,886
−HK$1,468/mo
Today · 4.125%
HK$49,354
baseline
▲ 0.50% · 4.625%
HK$52,357
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,708/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,666
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,051
−HK$1,406/mo
Today · 4.125%
HK$54,457
baseline
▲ 0.50% · 4.625%
HK$57,327
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,914/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,710
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,568
−HK$1,887/mo
Today · 4.125%
HK$63,455
baseline
▲ 0.50% · 4.625%
HK$67,316
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,910/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,427
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,209
−HK$1,807/mo
Today · 4.125%
HK$70,016
baseline
▲ 0.50% · 4.625%
HK$73,707
+HK$3,691/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,032/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,539 · Scale 2, in force from 26 Feb 2026)