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$33,199
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,232
−HK$1,049/mo
Today · 4.125%
HK$35,281
baseline
▲ 0.50% · 4.625%
HK$37,428
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,562/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$545,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,934
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,924
−HK$1,005/mo
Today · 4.125%
HK$38,929
baseline
▲ 0.50% · 4.625%
HK$40,981
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,858/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$545,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,839
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,078
−HK$1,259/mo
Today · 4.125%
HK$42,337
baseline
▲ 0.50% · 4.625%
HK$44,913
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$84,674/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,320
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,509
−HK$1,206/mo
Today · 4.125%
HK$46,715
baseline
▲ 0.50% · 4.625%
HK$49,177
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$93,430/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,479
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,924
−HK$1,469/mo
Today · 4.125%
HK$49,393
baseline
▲ 0.50% · 4.625%
HK$52,399
+HK$3,006/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,786/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,707
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,094
−HK$1,407/mo
Today · 4.125%
HK$54,501
baseline
▲ 0.50% · 4.625%
HK$57,373
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$109,002/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,758
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,617
−HK$1,889/mo
Today · 4.125%
HK$63,506
baseline
▲ 0.50% · 4.625%
HK$67,370
+HK$3,864/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$127,012/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,480
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,263
−HK$1,809/mo
Today · 4.125%
HK$70,072
baseline
▲ 0.50% · 4.625%
HK$73,766
+HK$3,694/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,144/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,976 · Scale 2, in force from 26 Feb 2026)