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$33,175
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$1,048/mo
Today · 4.125%
HK$35,255
baseline
▲ 0.50% · 4.625%
HK$37,401
+HK$2,146/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,510/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,907
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,004/mo
Today · 4.125%
HK$38,901
baseline
▲ 0.50% · 4.625%
HK$40,951
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,802/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,810
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,048
−HK$1,258/mo
Today · 4.125%
HK$42,306
baseline
▲ 0.50% · 4.625%
HK$44,881
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,612/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,288
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,476
−HK$1,205/mo
Today · 4.125%
HK$46,681
baseline
▲ 0.50% · 4.625%
HK$49,142
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,362/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,445
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,890
−HK$1,467/mo
Today · 4.125%
HK$49,357
baseline
▲ 0.50% · 4.625%
HK$52,361
+HK$3,004/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,714/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,670
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,055
−HK$1,406/mo
Today · 4.125%
HK$54,461
baseline
▲ 0.50% · 4.625%
HK$57,332
+HK$2,871/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,922/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,715
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,572
−HK$1,888/mo
Today · 4.125%
HK$63,460
baseline
▲ 0.50% · 4.625%
HK$67,321
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,920/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,432
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,214
−HK$1,807/mo
Today · 4.125%
HK$70,021
baseline
▲ 0.50% · 4.625%
HK$73,712
+HK$3,691/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,042/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,580 · Scale 2, in force from 26 Feb 2026)