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$33,136
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,167
−HK$1,047/mo
Today · 4.125%
HK$35,214
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$2,142/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,428/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,863
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,852
−HK$1,003/mo
Today · 4.125%
HK$38,855
baseline
▲ 0.50% · 4.625%
HK$40,903
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,710/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,763
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$41,000
−HK$1,256/mo
Today · 4.125%
HK$42,256
baseline
▲ 0.50% · 4.625%
HK$44,828
+HK$2,572/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,512/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,236
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,204/mo
Today · 4.125%
HK$46,626
baseline
▲ 0.50% · 4.625%
HK$49,084
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,252/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,390
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,833
−HK$1,466/mo
Today · 4.125%
HK$49,299
baseline
▲ 0.50% · 4.625%
HK$52,299
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,598/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,609
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,993
−HK$1,404/mo
Today · 4.125%
HK$54,397
baseline
▲ 0.50% · 4.625%
HK$57,264
+HK$2,867/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,794/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,644
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,500
−HK$1,885/mo
Today · 4.125%
HK$63,385
baseline
▲ 0.50% · 4.625%
HK$67,242
+HK$3,857/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,770/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,354
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,133
−HK$1,806/mo
Today · 4.125%
HK$69,939
baseline
▲ 0.50% · 4.625%
HK$73,625
+HK$3,686/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,878/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,936 · Scale 2, in force from 26 Feb 2026)