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$2,079/mo
▼ 0.25% · 3.875%
HK$34,189
−HK$1,048/mo
Today · 4.125%
HK$35,237
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,474/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,887
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,877
−HK$1,003/mo
Today · 4.125%
HK$38,880
baseline
▲ 0.50% · 4.625%
HK$40,930
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,760/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,789
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,027
−HK$1,257/mo
Today · 4.125%
HK$42,284
baseline
▲ 0.50% · 4.625%
HK$44,857
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$84,568/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,265
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,452
−HK$1,204/mo
Today · 4.125%
HK$46,656
baseline
▲ 0.50% · 4.625%
HK$49,116
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$93,312/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,421
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,865
−HK$1,467/mo
Today · 4.125%
HK$49,332
baseline
▲ 0.50% · 4.625%
HK$52,333
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,664/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,642
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,028
−HK$1,405/mo
Today · 4.125%
HK$54,433
baseline
▲ 0.50% · 4.625%
HK$57,302
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,866/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,684
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,540
−HK$1,886/mo
Today · 4.125%
HK$63,426
baseline
▲ 0.50% · 4.625%
HK$67,286
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,852/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,397
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,178
−HK$1,807/mo
Today · 4.125%
HK$69,985
baseline
▲ 0.50% · 4.625%
HK$73,674
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,970/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,294 · Scale 2, in force from 26 Feb 2026)