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$33,157
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,188
−HK$1,048/mo
Today · 4.125%
HK$35,236
baseline
▲ 0.50% · 4.625%
HK$37,380
+HK$2,144/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,472/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,887
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,876
−HK$1,004/mo
Today · 4.125%
HK$38,880
baseline
▲ 0.50% · 4.625%
HK$40,929
+HK$2,049/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,760/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,788
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,026
−HK$1,257/mo
Today · 4.125%
HK$42,283
baseline
▲ 0.50% · 4.625%
HK$44,856
+HK$2,573/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$84,566/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,264
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,451
−HK$1,205/mo
Today · 4.125%
HK$46,656
baseline
▲ 0.50% · 4.625%
HK$49,115
+HK$2,459/mo
Deposit HK$5.82M · loan HK$8.72M · min. income ≈ HK$93,312/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,420
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,864
−HK$1,467/mo
Today · 4.125%
HK$49,331
baseline
▲ 0.50% · 4.625%
HK$52,332
+HK$3,001/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,662/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,642
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,027
−HK$1,405/mo
Today · 4.125%
HK$54,432
baseline
▲ 0.50% · 4.625%
HK$57,301
+HK$2,869/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,864/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,683
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,539
−HK$1,886/mo
Today · 4.125%
HK$63,425
baseline
▲ 0.50% · 4.625%
HK$67,285
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,850/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,396
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,177
−HK$1,806/mo
Today · 4.125%
HK$69,983
baseline
▲ 0.50% · 4.625%
HK$73,672
+HK$3,689/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$139,966/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,285 · Scale 2, in force from 26 Feb 2026)