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$33,159
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,191
−HK$1,047/mo
Today · 4.125%
HK$35,238
baseline
▲ 0.50% · 4.625%
HK$37,383
+HK$2,145/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$545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,889
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,003/mo
Today · 4.125%
HK$38,882
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,764/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,791
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,029
−HK$1,257/mo
Today · 4.125%
HK$42,286
baseline
▲ 0.50% · 4.625%
HK$44,859
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,572/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,267
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,454
−HK$1,205/mo
Today · 4.125%
HK$46,659
baseline
▲ 0.50% · 4.625%
HK$49,118
+HK$2,459/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,318/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,423
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,867
−HK$1,467/mo
Today · 4.125%
HK$49,334
baseline
▲ 0.50% · 4.625%
HK$52,336
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,668/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,645
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,030
−HK$1,405/mo
Today · 4.125%
HK$54,435
baseline
▲ 0.50% · 4.625%
HK$57,304
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,870/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,686
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,543
−HK$1,886/mo
Today · 4.125%
HK$63,429
baseline
▲ 0.50% · 4.625%
HK$67,289
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,858/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,401
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,181
−HK$1,807/mo
Today · 4.125%
HK$69,988
baseline
▲ 0.50% · 4.625%
HK$73,677
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,976/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,320 · Scale 2, in force from 26 Feb 2026)