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$33,254
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,289
−HK$1,051/mo
Today · 4.125%
HK$35,340
baseline
▲ 0.50% · 4.625%
HK$37,490
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,680/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,995
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,987
−HK$1,007/mo
Today · 4.125%
HK$38,994
baseline
▲ 0.50% · 4.625%
HK$41,049
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,988/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,905
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,146
−HK$1,262/mo
Today · 4.125%
HK$42,408
baseline
▲ 0.50% · 4.625%
HK$44,988
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,816/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,394
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,585
−HK$1,208/mo
Today · 4.125%
HK$46,793
baseline
▲ 0.50% · 4.625%
HK$49,259
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,586/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,556
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,004
−HK$1,471/mo
Today · 4.125%
HK$49,475
baseline
▲ 0.50% · 4.625%
HK$52,486
+HK$3,011/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,950/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,793
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,182
−HK$1,409/mo
Today · 4.125%
HK$54,591
baseline
▲ 0.50% · 4.625%
HK$57,469
+HK$2,878/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,182/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,858
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,720
−HK$1,891/mo
Today · 4.125%
HK$63,611
baseline
▲ 0.50% · 4.625%
HK$67,482
+HK$3,871/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,222/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,591
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,377
−HK$1,812/mo
Today · 4.125%
HK$70,189
baseline
▲ 0.50% · 4.625%
HK$73,889
+HK$3,700/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,378/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,884 · Scale 2, in force from 26 Feb 2026)