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$33,146
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,177
−HK$1,047/mo
Today · 4.125%
HK$35,224
baseline
▲ 0.50% · 4.625%
HK$37,367
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,448/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,874
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,863
−HK$1,003/mo
Today · 4.125%
HK$38,866
baseline
▲ 0.50% · 4.625%
HK$40,915
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,732/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$545,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,775
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,257/mo
Today · 4.125%
HK$42,269
baseline
▲ 0.50% · 4.625%
HK$44,841
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,538/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,249
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,436
−HK$1,204/mo
Today · 4.125%
HK$46,640
baseline
▲ 0.50% · 4.625%
HK$49,098
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,280/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,404
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,467/mo
Today · 4.125%
HK$49,314
baseline
▲ 0.50% · 4.625%
HK$52,314
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,628/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,624
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,008
−HK$1,405/mo
Today · 4.125%
HK$54,413
baseline
▲ 0.50% · 4.625%
HK$57,281
+HK$2,868/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,826/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,662
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,885/mo
Today · 4.125%
HK$63,403
baseline
▲ 0.50% · 4.625%
HK$67,261
+HK$3,858/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,806/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,373
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,153
−HK$1,806/mo
Today · 4.125%
HK$69,959
baseline
▲ 0.50% · 4.625%
HK$73,647
+HK$3,688/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,918/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,096 · Scale 2, in force from 26 Feb 2026)