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$33,175
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$1,049/mo
Today · 4.125%
HK$35,256
baseline
▲ 0.50% · 4.625%
HK$37,401
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,512/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,907
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,004/mo
Today · 4.125%
HK$38,901
baseline
▲ 0.50% · 4.625%
HK$40,952
+HK$2,051/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,802/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,810
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,049
−HK$1,258/mo
Today · 4.125%
HK$42,307
baseline
▲ 0.50% · 4.625%
HK$44,881
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,614/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,289
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,477
−HK$1,205/mo
Today · 4.125%
HK$46,682
baseline
▲ 0.50% · 4.625%
HK$49,142
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,364/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,446
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,890
−HK$1,468/mo
Today · 4.125%
HK$49,358
baseline
▲ 0.50% · 4.625%
HK$52,361
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,716/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,670
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,056
−HK$1,406/mo
Today · 4.125%
HK$54,462
baseline
▲ 0.50% · 4.625%
HK$57,333
+HK$2,871/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,924/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,716
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,573
−HK$1,887/mo
Today · 4.125%
HK$63,460
baseline
▲ 0.50% · 4.625%
HK$67,322
+HK$3,862/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,920/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,433
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,215
−HK$1,807/mo
Today · 4.125%
HK$70,022
baseline
▲ 0.50% · 4.625%
HK$73,713
+HK$3,691/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,044/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,587 · Scale 2, in force from 26 Feb 2026)