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$33,190
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,223
−HK$1,049/mo
Today · 4.125%
HK$35,272
baseline
▲ 0.50% · 4.625%
HK$37,418
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,544/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,924
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,914
−HK$1,005/mo
Today · 4.125%
HK$38,919
baseline
▲ 0.50% · 4.625%
HK$40,970
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,838/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,828
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,067
−HK$1,259/mo
Today · 4.125%
HK$42,326
baseline
▲ 0.50% · 4.625%
HK$44,901
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,652/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,309
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,497
−HK$1,205/mo
Today · 4.125%
HK$46,702
baseline
▲ 0.50% · 4.625%
HK$49,164
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,404/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,466
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,912
−HK$1,468/mo
Today · 4.125%
HK$49,380
baseline
▲ 0.50% · 4.625%
HK$52,385
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,760/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,693
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,080
−HK$1,406/mo
Today · 4.125%
HK$54,486
baseline
▲ 0.50% · 4.625%
HK$57,358
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,972/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,742
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,601
−HK$1,888/mo
Today · 4.125%
HK$63,489
baseline
▲ 0.50% · 4.625%
HK$67,352
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,978/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,463
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,245
−HK$1,809/mo
Today · 4.125%
HK$70,054
baseline
▲ 0.50% · 4.625%
HK$73,746
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,108/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,832 · Scale 2, in force from 26 Feb 2026)