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$33,261
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,295
−HK$1,051/mo
Today · 4.125%
HK$35,346
baseline
▲ 0.50% · 4.625%
HK$37,497
+HK$2,151/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,692/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,002
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,995
−HK$1,006/mo
Today · 4.125%
HK$39,001
baseline
▲ 0.50% · 4.625%
HK$41,057
+HK$2,056/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$78,002/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,913
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,154
−HK$1,262/mo
Today · 4.125%
HK$42,416
baseline
▲ 0.50% · 4.625%
HK$44,997
+HK$2,581/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,832/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,403
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,593
−HK$1,209/mo
Today · 4.125%
HK$46,802
baseline
▲ 0.50% · 4.625%
HK$49,268
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,604/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,565
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,013
−HK$1,472/mo
Today · 4.125%
HK$49,485
baseline
▲ 0.50% · 4.625%
HK$52,496
+HK$3,011/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,970/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,803
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,192
−HK$1,410/mo
Today · 4.125%
HK$54,602
baseline
▲ 0.50% · 4.625%
HK$57,480
+HK$2,878/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,204/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,869
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,731
−HK$1,893/mo
Today · 4.125%
HK$63,624
baseline
▲ 0.50% · 4.625%
HK$67,495
+HK$3,871/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,248/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,604
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,390
−HK$1,812/mo
Today · 4.125%
HK$70,202
baseline
▲ 0.50% · 4.625%
HK$73,903
+HK$3,701/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,404/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,989 · Scale 2, in force from 26 Feb 2026)