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$33,193
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$1,049/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,918
−HK$1,004/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$40,974
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,832
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,071
−HK$1,259/mo
Today · 4.125%
HK$42,330
baseline
▲ 0.50% · 4.625%
HK$44,905
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,660/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,313
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,501
−HK$1,206/mo
Today · 4.125%
HK$46,707
baseline
▲ 0.50% · 4.625%
HK$49,169
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,414/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,471
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,916
−HK$1,469/mo
Today · 4.125%
HK$49,385
baseline
▲ 0.50% · 4.625%
HK$52,390
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,770/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,698
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,085
−HK$1,406/mo
Today · 4.125%
HK$54,491
baseline
▲ 0.50% · 4.625%
HK$57,363
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,982/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,748
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,606
−HK$1,889/mo
Today · 4.125%
HK$63,495
baseline
▲ 0.50% · 4.625%
HK$67,358
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,990/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,469
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,252
−HK$1,808/mo
Today · 4.125%
HK$70,060
baseline
▲ 0.50% · 4.625%
HK$73,753
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,120/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,881 · Scale 2, in force from 26 Feb 2026)