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$33,292
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,327
−HK$1,052/mo
Today · 4.125%
HK$35,379
baseline
▲ 0.50% · 4.625%
HK$37,532
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,758/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,037
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,030
−HK$1,008/mo
Today · 4.125%
HK$39,038
baseline
▲ 0.50% · 4.625%
HK$41,095
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,076/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,950
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,193
−HK$1,262/mo
Today · 4.125%
HK$42,455
baseline
▲ 0.50% · 4.625%
HK$45,039
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,910/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,444
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,636
−HK$1,209/mo
Today · 4.125%
HK$46,845
baseline
▲ 0.50% · 4.625%
HK$49,314
+HK$2,469/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,690/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,608
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,058
−HK$1,473/mo
Today · 4.125%
HK$49,531
baseline
▲ 0.50% · 4.625%
HK$52,545
+HK$3,014/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,062/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,851
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,242
−HK$1,411/mo
Today · 4.125%
HK$54,653
baseline
▲ 0.50% · 4.625%
HK$57,534
+HK$2,881/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,306/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,925
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,789
−HK$1,894/mo
Today · 4.125%
HK$63,683
baseline
▲ 0.50% · 4.625%
HK$67,558
+HK$3,875/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,366/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,666
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,454
−HK$1,814/mo
Today · 4.125%
HK$70,268
baseline
▲ 0.50% · 4.625%
HK$73,972
+HK$3,704/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,536/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,500 · Scale 2, in force from 26 Feb 2026)