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$33,174
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,206
−HK$1,049/mo
Today · 4.125%
HK$35,255
baseline
▲ 0.50% · 4.625%
HK$37,400
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,510/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,896
−HK$1,004/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,809
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,047
−HK$1,258/mo
Today · 4.125%
HK$42,305
baseline
▲ 0.50% · 4.625%
HK$44,880
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,610/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,287
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,475
−HK$1,205/mo
Today · 4.125%
HK$46,680
baseline
▲ 0.50% · 4.625%
HK$49,140
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,360/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,444
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,889
−HK$1,467/mo
Today · 4.125%
HK$49,356
baseline
▲ 0.50% · 4.625%
HK$52,360
+HK$3,004/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,712/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,668
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,054
−HK$1,406/mo
Today · 4.125%
HK$54,460
baseline
▲ 0.50% · 4.625%
HK$57,331
+HK$2,871/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,920/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,714
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,571
−HK$1,887/mo
Today · 4.125%
HK$63,458
baseline
▲ 0.50% · 4.625%
HK$67,319
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,916/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,431
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,212
−HK$1,808/mo
Today · 4.125%
HK$70,020
baseline
▲ 0.50% · 4.625%
HK$73,711
+HK$3,691/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,040/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,568 · Scale 2, in force from 26 Feb 2026)