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$33,217
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,251
−HK$1,049/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,448
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,954
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,945
−HK$1,005/mo
Today · 4.125%
HK$38,950
baseline
▲ 0.50% · 4.625%
HK$41,004
+HK$2,054/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,900/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,861
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,101
−HK$1,259/mo
Today · 4.125%
HK$42,360
baseline
▲ 0.50% · 4.625%
HK$44,938
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,720/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,345
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,534
−HK$1,207/mo
Today · 4.125%
HK$46,741
baseline
▲ 0.50% · 4.625%
HK$49,204
+HK$2,463/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,482/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,504
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,951
−HK$1,470/mo
Today · 4.125%
HK$49,421
baseline
▲ 0.50% · 4.625%
HK$52,428
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,842/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,736
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,123
−HK$1,408/mo
Today · 4.125%
HK$54,531
baseline
▲ 0.50% · 4.625%
HK$57,405
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,062/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,791
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,651
−HK$1,890/mo
Today · 4.125%
HK$63,541
baseline
▲ 0.50% · 4.625%
HK$67,407
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,082/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,517
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,301
−HK$1,810/mo
Today · 4.125%
HK$70,111
baseline
▲ 0.50% · 4.625%
HK$73,806
+HK$3,695/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,222/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,277 · Scale 2, in force from 26 Feb 2026)