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$33,202
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,235
−HK$1,049/mo
Today · 4.125%
HK$35,284
baseline
▲ 0.50% · 4.625%
HK$37,431
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,568/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,937
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,927
−HK$1,005/mo
Today · 4.125%
HK$38,932
baseline
▲ 0.50% · 4.625%
HK$40,985
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,864/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,842
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,082
−HK$1,259/mo
Today · 4.125%
HK$42,341
baseline
▲ 0.50% · 4.625%
HK$44,917
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$84,682/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,324
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,513
−HK$1,206/mo
Today · 4.125%
HK$46,719
baseline
▲ 0.50% · 4.625%
HK$49,182
+HK$2,463/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$93,438/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,483
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,929
−HK$1,469/mo
Today · 4.125%
HK$49,398
baseline
▲ 0.50% · 4.625%
HK$52,403
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,796/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,712
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,098
−HK$1,407/mo
Today · 4.125%
HK$54,505
baseline
▲ 0.50% · 4.625%
HK$57,378
+HK$2,873/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$109,010/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,764
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,622
−HK$1,889/mo
Today · 4.125%
HK$63,511
baseline
▲ 0.50% · 4.625%
HK$67,376
+HK$3,865/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$127,022/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,486
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,269
−HK$1,809/mo
Today · 4.125%
HK$70,078
baseline
▲ 0.50% · 4.625%
HK$73,772
+HK$3,694/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,156/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,024 · Scale 2, in force from 26 Feb 2026)