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$33,231
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,264
−HK$1,051/mo
Today · 4.125%
HK$35,315
baseline
▲ 0.50% · 4.625%
HK$37,463
+HK$2,148/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,630/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,969
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,960
−HK$1,006/mo
Today · 4.125%
HK$38,966
baseline
▲ 0.50% · 4.625%
HK$41,020
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,932/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,877
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,261/mo
Today · 4.125%
HK$42,378
baseline
▲ 0.50% · 4.625%
HK$44,956
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,756/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,363
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,553
−HK$1,207/mo
Today · 4.125%
HK$46,760
baseline
▲ 0.50% · 4.625%
HK$49,224
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,520/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,523
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,970
−HK$1,471/mo
Today · 4.125%
HK$49,441
baseline
▲ 0.50% · 4.625%
HK$52,449
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,882/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,757
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,145
−HK$1,408/mo
Today · 4.125%
HK$54,553
baseline
▲ 0.50% · 4.625%
HK$57,428
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,106/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,815
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,676
−HK$1,890/mo
Today · 4.125%
HK$63,566
baseline
▲ 0.50% · 4.625%
HK$67,434
+HK$3,868/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,132/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,544
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,329
−HK$1,810/mo
Today · 4.125%
HK$70,139
baseline
▲ 0.50% · 4.625%
HK$73,836
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,278/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,499 · Scale 2, in force from 26 Feb 2026)