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$33,233
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,267
−HK$1,050/mo
Today · 4.125%
HK$35,317
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$2,149/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,634/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,972
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,963
−HK$1,006/mo
Today · 4.125%
HK$38,969
baseline
▲ 0.50% · 4.625%
HK$41,023
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,938/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,880
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,121
−HK$1,260/mo
Today · 4.125%
HK$42,381
baseline
▲ 0.50% · 4.625%
HK$44,960
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,762/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,366
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,556
−HK$1,207/mo
Today · 4.125%
HK$46,763
baseline
▲ 0.50% · 4.625%
HK$49,228
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,526/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,527
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,974
−HK$1,470/mo
Today · 4.125%
HK$49,444
baseline
▲ 0.50% · 4.625%
HK$52,453
+HK$3,009/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,888/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,761
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,149
−HK$1,408/mo
Today · 4.125%
HK$54,557
baseline
▲ 0.50% · 4.625%
HK$57,433
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,114/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,820
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,681
−HK$1,890/mo
Today · 4.125%
HK$63,571
baseline
▲ 0.50% · 4.625%
HK$67,440
+HK$3,869/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,142/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,549
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,334
−HK$1,811/mo
Today · 4.125%
HK$70,145
baseline
▲ 0.50% · 4.625%
HK$73,842
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,290/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,541 · Scale 2, in force from 26 Feb 2026)