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$33,193
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,225
−HK$1,049/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,005/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$40,973
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,831
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,070
−HK$1,259/mo
Today · 4.125%
HK$42,329
baseline
▲ 0.50% · 4.625%
HK$44,905
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,658/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,312
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,500
−HK$1,206/mo
Today · 4.125%
HK$46,706
baseline
▲ 0.50% · 4.625%
HK$49,168
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,412/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,470
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,915
−HK$1,469/mo
Today · 4.125%
HK$49,384
baseline
▲ 0.50% · 4.625%
HK$52,389
+HK$3,005/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,768/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,697
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,084
−HK$1,406/mo
Today · 4.125%
HK$54,490
baseline
▲ 0.50% · 4.625%
HK$57,363
+HK$2,873/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,980/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,747
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,605
−HK$1,889/mo
Today · 4.125%
HK$63,494
baseline
▲ 0.50% · 4.625%
HK$67,357
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,988/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,468
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,251
−HK$1,808/mo
Today · 4.125%
HK$70,059
baseline
▲ 0.50% · 4.625%
HK$73,752
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,118/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,873 · Scale 2, in force from 26 Feb 2026)