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$33,208
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,241
−HK$1,049/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,438
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,005/mo
Today · 4.125%
HK$38,939
baseline
▲ 0.50% · 4.625%
HK$40,992
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,878/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,849
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,089
−HK$1,259/mo
Today · 4.125%
HK$42,348
baseline
▲ 0.50% · 4.625%
HK$44,925
+HK$2,577/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,696/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,332
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,521
−HK$1,206/mo
Today · 4.125%
HK$46,727
baseline
▲ 0.50% · 4.625%
HK$49,190
+HK$2,463/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,454/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,491
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,937
−HK$1,469/mo
Today · 4.125%
HK$49,406
baseline
▲ 0.50% · 4.625%
HK$52,413
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,812/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,721
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,108
−HK$1,407/mo
Today · 4.125%
HK$54,515
baseline
▲ 0.50% · 4.625%
HK$57,389
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$109,030/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,774
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,633
−HK$1,890/mo
Today · 4.125%
HK$63,523
baseline
▲ 0.50% · 4.625%
HK$67,388
+HK$3,865/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,046/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,498
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,282
−HK$1,809/mo
Today · 4.125%
HK$70,091
baseline
▲ 0.50% · 4.625%
HK$73,785
+HK$3,694/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,182/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,121 · Scale 2, in force from 26 Feb 2026)