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$33,180
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$1,049/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,903
−HK$1,004/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,816
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,055
−HK$1,258/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,888
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,295
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,483
−HK$1,206/mo
Today · 4.125%
HK$46,689
baseline
▲ 0.50% · 4.625%
HK$49,150
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,378/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,453
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,897
−HK$1,469/mo
Today · 4.125%
HK$49,366
baseline
▲ 0.50% · 4.625%
HK$52,369
+HK$3,003/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,732/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,678
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,064
−HK$1,406/mo
Today · 4.125%
HK$54,470
baseline
▲ 0.50% · 4.625%
HK$57,341
+HK$2,871/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,940/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,725
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,582
−HK$1,888/mo
Today · 4.125%
HK$63,470
baseline
▲ 0.50% · 4.625%
HK$67,332
+HK$3,862/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,940/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,443
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,225
−HK$1,808/mo
Today · 4.125%
HK$70,033
baseline
▲ 0.50% · 4.625%
HK$73,724
+HK$3,691/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,066/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,669 · Scale 2, in force from 26 Feb 2026)