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$33,144
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,175
−HK$1,048/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,366
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,873
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,862
−HK$1,003/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$40,914
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,773
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,010
−HK$1,257/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,839
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,247
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,434
−HK$1,204/mo
Today · 4.125%
HK$46,638
baseline
▲ 0.50% · 4.625%
HK$49,096
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,276/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,402
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,846
−HK$1,466/mo
Today · 4.125%
HK$49,312
baseline
▲ 0.50% · 4.625%
HK$52,313
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,624/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,622
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,006
−HK$1,405/mo
Today · 4.125%
HK$54,411
baseline
▲ 0.50% · 4.625%
HK$57,279
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,822/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,660
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,516
−HK$1,885/mo
Today · 4.125%
HK$63,401
baseline
▲ 0.50% · 4.625%
HK$67,259
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,802/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,371
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,151
−HK$1,806/mo
Today · 4.125%
HK$69,957
baseline
▲ 0.50% · 4.625%
HK$73,644
+HK$3,687/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,914/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,078 · Scale 2, in force from 26 Feb 2026)