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$33,239
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,272
−HK$1,051/mo
Today · 4.125%
HK$35,323
baseline
▲ 0.50% · 4.625%
HK$37,472
+HK$2,149/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,646/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,978
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,969
−HK$1,006/mo
Today · 4.125%
HK$38,975
baseline
▲ 0.50% · 4.625%
HK$41,030
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,950/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,886
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,127
−HK$1,260/mo
Today · 4.125%
HK$42,387
baseline
▲ 0.50% · 4.625%
HK$44,967
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,774/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,373
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,563
−HK$1,207/mo
Today · 4.125%
HK$46,770
baseline
▲ 0.50% · 4.625%
HK$49,236
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,540/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,534
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,981
−HK$1,471/mo
Today · 4.125%
HK$49,452
baseline
▲ 0.50% · 4.625%
HK$52,461
+HK$3,009/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,904/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,769
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,157
−HK$1,408/mo
Today · 4.125%
HK$54,565
baseline
▲ 0.50% · 4.625%
HK$57,442
+HK$2,877/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,130/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,829
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,690
−HK$1,891/mo
Today · 4.125%
HK$63,581
baseline
▲ 0.50% · 4.625%
HK$67,450
+HK$3,869/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,162/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,560
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,345
−HK$1,811/mo
Today · 4.125%
HK$70,156
baseline
▲ 0.50% · 4.625%
HK$73,854
+HK$3,698/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,312/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,625 · Scale 2, in force from 26 Feb 2026)