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$33,162
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,194
−HK$1,048/mo
Today · 4.125%
HK$35,242
baseline
▲ 0.50% · 4.625%
HK$37,386
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,484/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,893
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,882
−HK$1,004/mo
Today · 4.125%
HK$38,886
baseline
▲ 0.50% · 4.625%
HK$40,936
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,772/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,795
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,033
−HK$1,257/mo
Today · 4.125%
HK$42,290
baseline
▲ 0.50% · 4.625%
HK$44,864
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,580/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,271
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,459
−HK$1,204/mo
Today · 4.125%
HK$46,663
baseline
▲ 0.50% · 4.625%
HK$49,123
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,326/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,427
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,871
−HK$1,468/mo
Today · 4.125%
HK$49,339
baseline
▲ 0.50% · 4.625%
HK$52,341
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,678/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,650
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,035
−HK$1,405/mo
Today · 4.125%
HK$54,440
baseline
▲ 0.50% · 4.625%
HK$57,310
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,880/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,692
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,549
−HK$1,886/mo
Today · 4.125%
HK$63,435
baseline
▲ 0.50% · 4.625%
HK$67,295
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,870/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,407
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,188
−HK$1,807/mo
Today · 4.125%
HK$69,995
baseline
▲ 0.50% · 4.625%
HK$73,684
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,990/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,372 · Scale 2, in force from 26 Feb 2026)