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$33,170
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,202
−HK$1,048/mo
Today · 4.125%
HK$35,250
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,500/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,902
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,891
−HK$1,004/mo
Today · 4.125%
HK$38,895
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,051/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,790/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,804
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,042
−HK$1,258/mo
Today · 4.125%
HK$42,300
baseline
▲ 0.50% · 4.625%
HK$44,874
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,600/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,282
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,470
−HK$1,204/mo
Today · 4.125%
HK$46,674
baseline
▲ 0.50% · 4.625%
HK$49,135
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,348/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,438
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,883
−HK$1,468/mo
Today · 4.125%
HK$49,351
baseline
▲ 0.50% · 4.625%
HK$52,353
+HK$3,002/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$545,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,662
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,048
−HK$1,405/mo
Today · 4.125%
HK$54,453
baseline
▲ 0.50% · 4.625%
HK$57,324
+HK$2,871/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,906/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,707
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,564
−HK$1,887/mo
Today · 4.125%
HK$63,451
baseline
▲ 0.50% · 4.625%
HK$67,311
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,902/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,423
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,204
−HK$1,808/mo
Today · 4.125%
HK$70,012
baseline
▲ 0.50% · 4.625%
HK$73,702
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,024/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,503 · Scale 2, in force from 26 Feb 2026)