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$33,198
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,231
−HK$1,049/mo
Today · 4.125%
HK$35,280
baseline
▲ 0.50% · 4.625%
HK$37,426
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,560/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$545,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,932
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,923
−HK$1,005/mo
Today · 4.125%
HK$38,928
baseline
▲ 0.50% · 4.625%
HK$40,980
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,856/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$545,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,837
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,077
−HK$1,259/mo
Today · 4.125%
HK$42,336
baseline
▲ 0.50% · 4.625%
HK$44,912
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$84,672/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,319
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,507
−HK$1,206/mo
Today · 4.125%
HK$46,713
baseline
▲ 0.50% · 4.625%
HK$49,175
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$93,426/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,477
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,923
−HK$1,469/mo
Today · 4.125%
HK$49,392
baseline
▲ 0.50% · 4.625%
HK$52,397
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,784/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,705
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,092
−HK$1,407/mo
Today · 4.125%
HK$54,499
baseline
▲ 0.50% · 4.625%
HK$57,371
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,998/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,756
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,615
−HK$1,888/mo
Today · 4.125%
HK$63,503
baseline
▲ 0.50% · 4.625%
HK$67,367
+HK$3,864/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$127,006/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,478
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,261
−HK$1,809/mo
Today · 4.125%
HK$70,070
baseline
▲ 0.50% · 4.625%
HK$73,763
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,140/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,957 · Scale 2, in force from 26 Feb 2026)