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$34,221
−HK$1,049/mo
Today · 4.125%
HK$35,270
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$2,146/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$545,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,912
−HK$1,005/mo
Today · 4.125%
HK$38,917
baseline
▲ 0.50% · 4.625%
HK$40,968
+HK$2,051/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$545,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,826
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,065
−HK$1,259/mo
Today · 4.125%
HK$42,324
baseline
▲ 0.50% · 4.625%
HK$44,899
+HK$2,575/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$545,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,306
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,495
−HK$1,205/mo
Today · 4.125%
HK$46,700
baseline
▲ 0.50% · 4.625%
HK$49,162
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,400/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,464
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,909
−HK$1,469/mo
Today · 4.125%
HK$49,378
baseline
▲ 0.50% · 4.625%
HK$52,382
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,756/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,691
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,077
−HK$1,407/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$545,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,740
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,598
−HK$1,888/mo
Today · 4.125%
HK$63,486
baseline
▲ 0.50% · 4.625%
HK$67,349
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,972/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,460
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,242
−HK$1,808/mo
Today · 4.125%
HK$70,050
baseline
▲ 0.50% · 4.625%
HK$73,743
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,100/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,806 · Scale 2, in force from 26 Feb 2026)