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$2,082/mo
▼ 0.25% · 3.875%
HK$34,224
−HK$1,049/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,419
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,925
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,915
−HK$1,005/mo
Today · 4.125%
HK$38,920
baseline
▲ 0.50% · 4.625%
HK$40,971
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,840/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,830
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,068
−HK$1,259/mo
Today · 4.125%
HK$42,327
baseline
▲ 0.50% · 4.625%
HK$44,903
+HK$2,576/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$545,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,310
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,498
−HK$1,206/mo
Today · 4.125%
HK$46,704
baseline
▲ 0.50% · 4.625%
HK$49,166
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,408/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,468
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,913
−HK$1,469/mo
Today · 4.125%
HK$49,382
baseline
▲ 0.50% · 4.625%
HK$52,386
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,764/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,695
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,081
−HK$1,407/mo
Today · 4.125%
HK$54,488
baseline
▲ 0.50% · 4.625%
HK$57,360
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,976/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,744
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,603
−HK$1,888/mo
Today · 4.125%
HK$63,491
baseline
▲ 0.50% · 4.625%
HK$67,354
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,982/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,465
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,247
−HK$1,809/mo
Today · 4.125%
HK$70,056
baseline
▲ 0.50% · 4.625%
HK$73,749
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,112/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,848 · Scale 2, in force from 26 Feb 2026)