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$33,201
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,234
−HK$1,049/mo
Today · 4.125%
HK$35,283
baseline
▲ 0.50% · 4.625%
HK$37,430
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,566/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,936
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,927
−HK$1,005/mo
Today · 4.125%
HK$38,932
baseline
▲ 0.50% · 4.625%
HK$40,984
+HK$2,052/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$546,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,842
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,081
−HK$1,259/mo
Today · 4.125%
HK$42,340
baseline
▲ 0.50% · 4.625%
HK$44,916
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$84,680/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,323
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,512
−HK$1,206/mo
Today · 4.125%
HK$46,718
baseline
▲ 0.50% · 4.625%
HK$49,181
+HK$2,463/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$93,436/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,482
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,928
−HK$1,469/mo
Today · 4.125%
HK$49,397
baseline
▲ 0.50% · 4.625%
HK$52,402
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,794/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,711
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,098
−HK$1,406/mo
Today · 4.125%
HK$54,504
baseline
▲ 0.50% · 4.625%
HK$57,378
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$109,008/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,763
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,621
−HK$1,889/mo
Today · 4.125%
HK$63,510
baseline
▲ 0.50% · 4.625%
HK$67,375
+HK$3,865/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$127,020/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,485
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,268
−HK$1,809/mo
Today · 4.125%
HK$70,077
baseline
▲ 0.50% · 4.625%
HK$73,771
+HK$3,694/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,154/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,015 · Scale 2, in force from 26 Feb 2026)