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$2,079/mo
▼ 0.25% · 3.875%
HK$34,193
−HK$1,048/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,386
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,892
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,882
−HK$1,003/mo
Today · 4.125%
HK$38,885
baseline
▲ 0.50% · 4.625%
HK$40,935
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,770/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,794
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,032
−HK$1,258/mo
Today · 4.125%
HK$42,290
baseline
▲ 0.50% · 4.625%
HK$44,863
+HK$2,573/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$545,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,271
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,458
−HK$1,205/mo
Today · 4.125%
HK$46,663
baseline
▲ 0.50% · 4.625%
HK$49,122
+HK$2,459/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$545,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,427
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,871
−HK$1,467/mo
Today · 4.125%
HK$49,338
baseline
▲ 0.50% · 4.625%
HK$52,340
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,676/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,649
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,034
−HK$1,406/mo
Today · 4.125%
HK$54,440
baseline
▲ 0.50% · 4.625%
HK$57,309
+HK$2,869/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$545,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,691
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,548
−HK$1,887/mo
Today · 4.125%
HK$63,435
baseline
▲ 0.50% · 4.625%
HK$67,294
+HK$3,859/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$545,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,406
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,187
−HK$1,807/mo
Today · 4.125%
HK$69,994
baseline
▲ 0.50% · 4.625%
HK$73,683
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,988/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,365 · Scale 2, in force from 26 Feb 2026)