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$33,191
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,223
−HK$1,049/mo
Today · 4.125%
HK$35,272
baseline
▲ 0.50% · 4.625%
HK$37,418
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,544/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,925
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,915
−HK$1,004/mo
Today · 4.125%
HK$38,919
baseline
▲ 0.50% · 4.625%
HK$40,971
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,838/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,829
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,068
−HK$1,259/mo
Today · 4.125%
HK$42,327
baseline
▲ 0.50% · 4.625%
HK$44,902
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,654/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,309
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,498
−HK$1,205/mo
Today · 4.125%
HK$46,703
baseline
▲ 0.50% · 4.625%
HK$49,165
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,406/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,467
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,913
−HK$1,468/mo
Today · 4.125%
HK$49,381
baseline
▲ 0.50% · 4.625%
HK$52,386
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,762/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,694
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,081
−HK$1,406/mo
Today · 4.125%
HK$54,487
baseline
▲ 0.50% · 4.625%
HK$57,359
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,974/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,744
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,602
−HK$1,888/mo
Today · 4.125%
HK$63,490
baseline
▲ 0.50% · 4.625%
HK$67,353
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,980/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,464
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,247
−HK$1,808/mo
Today · 4.125%
HK$70,055
baseline
▲ 0.50% · 4.625%
HK$73,748
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,110/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,841 · Scale 2, in force from 26 Feb 2026)