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$33,184
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,216
−HK$1,049/mo
Today · 4.125%
HK$35,265
baseline
▲ 0.50% · 4.625%
HK$37,410
+HK$2,145/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,530/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,917
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,907
−HK$1,004/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$40,962
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,820
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,259/mo
Today · 4.125%
HK$42,318
baseline
▲ 0.50% · 4.625%
HK$44,893
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,636/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,488
−HK$1,205/mo
Today · 4.125%
HK$46,693
baseline
▲ 0.50% · 4.625%
HK$49,155
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,386/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,457
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,469/mo
Today · 4.125%
HK$49,371
baseline
▲ 0.50% · 4.625%
HK$52,375
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,742/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,683
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,069
−HK$1,407/mo
Today · 4.125%
HK$54,476
baseline
▲ 0.50% · 4.625%
HK$57,347
+HK$2,871/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,952/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,731
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,589
−HK$1,887/mo
Today · 4.125%
HK$63,476
baseline
▲ 0.50% · 4.625%
HK$67,339
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,952/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,450
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,232
−HK$1,808/mo
Today · 4.125%
HK$70,040
baseline
▲ 0.50% · 4.625%
HK$73,732
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,080/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,724 · Scale 2, in force from 26 Feb 2026)