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$33,168
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,200
−HK$1,048/mo
Today · 4.125%
HK$35,248
baseline
▲ 0.50% · 4.625%
HK$37,393
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,496/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,899
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,889
−HK$1,004/mo
Today · 4.125%
HK$38,893
baseline
▲ 0.50% · 4.625%
HK$40,943
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,786/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,802
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,040
−HK$1,258/mo
Today · 4.125%
HK$42,298
baseline
▲ 0.50% · 4.625%
HK$44,871
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,596/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,279
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,467
−HK$1,204/mo
Today · 4.125%
HK$46,671
baseline
▲ 0.50% · 4.625%
HK$49,131
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,342/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,435
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,880
−HK$1,467/mo
Today · 4.125%
HK$49,347
baseline
▲ 0.50% · 4.625%
HK$52,350
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,694/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,659
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,044
−HK$1,406/mo
Today · 4.125%
HK$54,450
baseline
▲ 0.50% · 4.625%
HK$57,320
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,900/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,703
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,560
−HK$1,886/mo
Today · 4.125%
HK$63,446
baseline
▲ 0.50% · 4.625%
HK$67,307
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,892/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,419
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,200
−HK$1,807/mo
Today · 4.125%
HK$70,007
baseline
▲ 0.50% · 4.625%
HK$73,697
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,014/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,467 · Scale 2, in force from 26 Feb 2026)