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$33,135
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,166
−HK$1,047/mo
Today · 4.125%
HK$35,213
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,426/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,863
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,851
−HK$1,003/mo
Today · 4.125%
HK$38,854
baseline
▲ 0.50% · 4.625%
HK$40,902
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,708/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,762
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$40,999
−HK$1,257/mo
Today · 4.125%
HK$42,256
baseline
▲ 0.50% · 4.625%
HK$44,827
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,512/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,235
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,203/mo
Today · 4.125%
HK$46,625
baseline
▲ 0.50% · 4.625%
HK$49,083
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,250/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,389
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,832
−HK$1,467/mo
Today · 4.125%
HK$49,299
baseline
▲ 0.50% · 4.625%
HK$52,298
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,598/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,608
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,992
−HK$1,404/mo
Today · 4.125%
HK$54,396
baseline
▲ 0.50% · 4.625%
HK$57,263
+HK$2,867/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,792/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,644
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,885/mo
Today · 4.125%
HK$63,384
baseline
▲ 0.50% · 4.625%
HK$67,241
+HK$3,857/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,768/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,353
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,132
−HK$1,806/mo
Today · 4.125%
HK$69,938
baseline
▲ 0.50% · 4.625%
HK$73,624
+HK$3,686/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,876/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,928 · Scale 2, in force from 26 Feb 2026)