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$33,189
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,222
−HK$1,048/mo
Today · 4.125%
HK$35,270
baseline
▲ 0.50% · 4.625%
HK$37,417
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,540/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,923
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,913
−HK$1,004/mo
Today · 4.125%
HK$38,917
baseline
▲ 0.50% · 4.625%
HK$40,969
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,834/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,827
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,066
−HK$1,258/mo
Today · 4.125%
HK$42,324
baseline
▲ 0.50% · 4.625%
HK$44,900
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,648/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,307
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,495
−HK$1,206/mo
Today · 4.125%
HK$46,701
baseline
▲ 0.50% · 4.625%
HK$49,163
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,402/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,465
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,910
−HK$1,469/mo
Today · 4.125%
HK$49,379
baseline
▲ 0.50% · 4.625%
HK$52,383
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,758/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,692
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,078
−HK$1,406/mo
Today · 4.125%
HK$54,484
baseline
▲ 0.50% · 4.625%
HK$57,356
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,968/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,740
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,599
−HK$1,888/mo
Today · 4.125%
HK$63,487
baseline
▲ 0.50% · 4.625%
HK$67,350
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,974/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,461
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,243
−HK$1,808/mo
Today · 4.125%
HK$70,051
baseline
▲ 0.50% · 4.625%
HK$73,744
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,102/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,813 · Scale 2, in force from 26 Feb 2026)