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$33,194
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,227
−HK$1,049/mo
Today · 4.125%
HK$35,276
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,552/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,929
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,005/mo
Today · 4.125%
HK$38,924
baseline
▲ 0.50% · 4.625%
HK$40,975
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,848/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,833
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,072
−HK$1,259/mo
Today · 4.125%
HK$42,331
baseline
▲ 0.50% · 4.625%
HK$44,907
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,662/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,314
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,503
−HK$1,205/mo
Today · 4.125%
HK$46,708
baseline
▲ 0.50% · 4.625%
HK$49,170
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,416/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,472
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,918
−HK$1,469/mo
Today · 4.125%
HK$49,387
baseline
▲ 0.50% · 4.625%
HK$52,392
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,774/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,700
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,087
−HK$1,406/mo
Today · 4.125%
HK$54,493
baseline
▲ 0.50% · 4.625%
HK$57,366
+HK$2,873/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,986/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,750
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,609
−HK$1,888/mo
Today · 4.125%
HK$63,497
baseline
▲ 0.50% · 4.625%
HK$67,361
+HK$3,864/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,994/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,471
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,254
−HK$1,809/mo
Today · 4.125%
HK$70,063
baseline
▲ 0.50% · 4.625%
HK$73,756
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,126/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,901 · Scale 2, in force from 26 Feb 2026)