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$33,187
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$1,048/mo
Today · 4.125%
HK$35,268
baseline
▲ 0.50% · 4.625%
HK$37,414
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,536/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,920
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,911
−HK$1,004/mo
Today · 4.125%
HK$38,915
baseline
▲ 0.50% · 4.625%
HK$40,966
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,830/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,825
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,063
−HK$1,259/mo
Today · 4.125%
HK$42,322
baseline
▲ 0.50% · 4.625%
HK$44,897
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,644/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,305
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,493
−HK$1,205/mo
Today · 4.125%
HK$46,698
baseline
▲ 0.50% · 4.625%
HK$49,160
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,396/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,462
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,907
−HK$1,469/mo
Today · 4.125%
HK$49,376
baseline
▲ 0.50% · 4.625%
HK$52,380
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,752/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,689
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,075
−HK$1,406/mo
Today · 4.125%
HK$54,481
baseline
▲ 0.50% · 4.625%
HK$57,353
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,962/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,737
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,595
−HK$1,888/mo
Today · 4.125%
HK$63,483
baseline
▲ 0.50% · 4.625%
HK$67,346
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,966/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,457
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,239
−HK$1,808/mo
Today · 4.125%
HK$70,047
baseline
▲ 0.50% · 4.625%
HK$73,740
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,094/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,782 · Scale 2, in force from 26 Feb 2026)