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$33,197
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,229
−HK$1,049/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,425
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$545,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,931
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,005/mo
Today · 4.125%
HK$38,926
baseline
▲ 0.50% · 4.625%
HK$40,978
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,852/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$545,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,836
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,075
−HK$1,259/mo
Today · 4.125%
HK$42,334
baseline
▲ 0.50% · 4.625%
HK$44,910
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,668/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,317
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,506
−HK$1,205/mo
Today · 4.125%
HK$46,711
baseline
▲ 0.50% · 4.625%
HK$49,174
+HK$2,463/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,422/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,475
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,921
−HK$1,469/mo
Today · 4.125%
HK$49,390
baseline
▲ 0.50% · 4.625%
HK$52,395
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,780/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,703
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,090
−HK$1,407/mo
Today · 4.125%
HK$54,497
baseline
▲ 0.50% · 4.625%
HK$57,369
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,994/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,754
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,613
−HK$1,888/mo
Today · 4.125%
HK$63,501
baseline
▲ 0.50% · 4.625%
HK$67,365
+HK$3,864/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$127,002/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,476
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,259
−HK$1,808/mo
Today · 4.125%
HK$70,067
baseline
▲ 0.50% · 4.625%
HK$73,761
+HK$3,694/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,134/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,937 · Scale 2, in force from 26 Feb 2026)