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$33,262
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,297
−HK$1,051/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,499
+HK$2,151/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,004
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,996
−HK$1,007/mo
Today · 4.125%
HK$39,003
baseline
▲ 0.50% · 4.625%
HK$41,059
+HK$2,056/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$78,006/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,914
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,156
−HK$1,261/mo
Today · 4.125%
HK$42,417
baseline
▲ 0.50% · 4.625%
HK$44,998
+HK$2,581/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,834/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,404
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,595
−HK$1,208/mo
Today · 4.125%
HK$46,803
baseline
▲ 0.50% · 4.625%
HK$49,270
+HK$2,467/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,606/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,567
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,472/mo
Today · 4.125%
HK$49,487
baseline
▲ 0.50% · 4.625%
HK$52,498
+HK$3,011/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,974/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,805
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,194
−HK$1,410/mo
Today · 4.125%
HK$54,604
baseline
▲ 0.50% · 4.625%
HK$57,482
+HK$2,878/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,208/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,872
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,734
−HK$1,892/mo
Today · 4.125%
HK$63,626
baseline
▲ 0.50% · 4.625%
HK$67,498
+HK$3,872/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,252/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,606
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,393
−HK$1,812/mo
Today · 4.125%
HK$70,205
baseline
▲ 0.50% · 4.625%
HK$73,906
+HK$3,701/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,410/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,011 · Scale 2, in force from 26 Feb 2026)