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$33,139
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$1,047/mo
Today · 4.125%
HK$35,217
baseline
▲ 0.50% · 4.625%
HK$37,360
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,434/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,867
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,003/mo
Today · 4.125%
HK$38,859
baseline
▲ 0.50% · 4.625%
HK$40,907
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,718/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,767
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,004
−HK$1,257/mo
Today · 4.125%
HK$42,261
baseline
▲ 0.50% · 4.625%
HK$44,832
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,522/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,240
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,427
−HK$1,204/mo
Today · 4.125%
HK$46,631
baseline
▲ 0.50% · 4.625%
HK$49,089
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,262/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,395
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,838
−HK$1,466/mo
Today · 4.125%
HK$49,304
baseline
▲ 0.50% · 4.625%
HK$52,304
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,608/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,614
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,998
−HK$1,404/mo
Today · 4.125%
HK$54,402
baseline
▲ 0.50% · 4.625%
HK$57,270
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,804/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,651
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,506
−HK$1,885/mo
Today · 4.125%
HK$63,391
baseline
▲ 0.50% · 4.625%
HK$67,248
+HK$3,857/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,782/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,361
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,140
−HK$1,806/mo
Today · 4.125%
HK$69,946
baseline
▲ 0.50% · 4.625%
HK$73,633
+HK$3,687/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,892/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,992 · Scale 2, in force from 26 Feb 2026)