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$33,132
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,163
−HK$1,047/mo
Today · 4.125%
HK$35,210
baseline
▲ 0.50% · 4.625%
HK$37,353
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,420/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,859
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,848
−HK$1,003/mo
Today · 4.125%
HK$38,851
baseline
▲ 0.50% · 4.625%
HK$40,899
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,702/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,759
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,996
−HK$1,256/mo
Today · 4.125%
HK$42,252
baseline
▲ 0.50% · 4.625%
HK$44,823
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,504/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,231
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,418
−HK$1,203/mo
Today · 4.125%
HK$46,621
baseline
▲ 0.50% · 4.625%
HK$49,079
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,242/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,385
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,828
−HK$1,466/mo
Today · 4.125%
HK$49,294
baseline
▲ 0.50% · 4.625%
HK$52,294
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,588/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,603
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,987
−HK$1,404/mo
Today · 4.125%
HK$54,391
baseline
▲ 0.50% · 4.625%
HK$57,258
+HK$2,867/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,782/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,638
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,493
−HK$1,885/mo
Today · 4.125%
HK$63,378
baseline
▲ 0.50% · 4.625%
HK$67,235
+HK$3,857/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,756/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,347
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,126
−HK$1,806/mo
Today · 4.125%
HK$69,932
baseline
▲ 0.50% · 4.625%
HK$73,618
+HK$3,686/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,864/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,881 · Scale 2, in force from 26 Feb 2026)