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$33,171
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,203
−HK$1,048/mo
Today · 4.125%
HK$35,251
baseline
▲ 0.50% · 4.625%
HK$37,396
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,502/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,902
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,892
−HK$1,004/mo
Today · 4.125%
HK$38,896
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,792/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,805
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,043
−HK$1,258/mo
Today · 4.125%
HK$42,301
baseline
▲ 0.50% · 4.625%
HK$44,875
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,602/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,283
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,470
−HK$1,205/mo
Today · 4.125%
HK$46,675
baseline
▲ 0.50% · 4.625%
HK$49,136
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,350/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,439
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,884
−HK$1,467/mo
Today · 4.125%
HK$49,351
baseline
▲ 0.50% · 4.625%
HK$52,354
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,702/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,663
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,049
−HK$1,405/mo
Today · 4.125%
HK$54,454
baseline
▲ 0.50% · 4.625%
HK$57,325
+HK$2,871/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,908/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,708
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,565
−HK$1,887/mo
Today · 4.125%
HK$63,452
baseline
▲ 0.50% · 4.625%
HK$67,313
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,904/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,424
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,206
−HK$1,807/mo
Today · 4.125%
HK$70,013
baseline
▲ 0.50% · 4.625%
HK$73,703
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,026/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,513 · Scale 2, in force from 26 Feb 2026)