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$33,164
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,196
−HK$1,048/mo
Today · 4.125%
HK$35,244
baseline
▲ 0.50% · 4.625%
HK$37,388
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,488/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,895
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,884
−HK$1,004/mo
Today · 4.125%
HK$38,888
baseline
▲ 0.50% · 4.625%
HK$40,938
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,776/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,797
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,035
−HK$1,257/mo
Today · 4.125%
HK$42,292
baseline
▲ 0.50% · 4.625%
HK$44,866
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,584/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,274
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,461
−HK$1,205/mo
Today · 4.125%
HK$46,666
baseline
▲ 0.50% · 4.625%
HK$49,125
+HK$2,459/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,332/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,430
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,874
−HK$1,467/mo
Today · 4.125%
HK$49,341
baseline
▲ 0.50% · 4.625%
HK$52,343
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,682/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,652
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,038
−HK$1,405/mo
Today · 4.125%
HK$54,443
baseline
▲ 0.50% · 4.625%
HK$57,313
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,886/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,695
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,552
−HK$1,887/mo
Today · 4.125%
HK$63,439
baseline
▲ 0.50% · 4.625%
HK$67,299
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,878/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,410
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,191
−HK$1,807/mo
Today · 4.125%
HK$69,998
baseline
▲ 0.50% · 4.625%
HK$73,688
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,996/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,400 · Scale 2, in force from 26 Feb 2026)