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$33,138
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,169
−HK$1,047/mo
Today · 4.125%
HK$35,216
baseline
▲ 0.50% · 4.625%
HK$37,359
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,432/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,865
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,003/mo
Today · 4.125%
HK$38,857
baseline
▲ 0.50% · 4.625%
HK$40,905
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,714/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,002
−HK$1,257/mo
Today · 4.125%
HK$42,259
baseline
▲ 0.50% · 4.625%
HK$44,830
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,518/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,239
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,425
−HK$1,204/mo
Today · 4.125%
HK$46,629
baseline
▲ 0.50% · 4.625%
HK$49,086
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,258/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,393
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,836
−HK$1,466/mo
Today · 4.125%
HK$49,302
baseline
▲ 0.50% · 4.625%
HK$52,302
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,604/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,612
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,996
−HK$1,404/mo
Today · 4.125%
HK$54,400
baseline
▲ 0.50% · 4.625%
HK$57,268
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,800/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,648
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,503
−HK$1,885/mo
Today · 4.125%
HK$63,388
baseline
▲ 0.50% · 4.625%
HK$67,246
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,776/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,358
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,138
−HK$1,805/mo
Today · 4.125%
HK$69,943
baseline
▲ 0.50% · 4.625%
HK$73,630
+HK$3,687/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,886/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,969 · Scale 2, in force from 26 Feb 2026)