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$33,225
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,259
−HK$1,050/mo
Today · 4.125%
HK$35,309
baseline
▲ 0.50% · 4.625%
HK$37,457
+HK$2,148/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,618/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,963
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,954
−HK$1,006/mo
Today · 4.125%
HK$38,960
baseline
▲ 0.50% · 4.625%
HK$41,013
+HK$2,053/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,920/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,870
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,110
−HK$1,260/mo
Today · 4.125%
HK$42,370
baseline
▲ 0.50% · 4.625%
HK$44,949
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,740/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,355
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,545
−HK$1,207/mo
Today · 4.125%
HK$46,752
baseline
▲ 0.50% · 4.625%
HK$49,216
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,504/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,515
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,962
−HK$1,470/mo
Today · 4.125%
HK$49,432
baseline
▲ 0.50% · 4.625%
HK$52,440
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,864/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,748
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,136
−HK$1,408/mo
Today · 4.125%
HK$54,544
baseline
▲ 0.50% · 4.625%
HK$57,419
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,088/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,805
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,666
−HK$1,890/mo
Today · 4.125%
HK$63,556
baseline
▲ 0.50% · 4.625%
HK$67,423
+HK$3,867/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,112/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,533
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,317
−HK$1,810/mo
Today · 4.125%
HK$70,127
baseline
▲ 0.50% · 4.625%
HK$73,824
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,254/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,406 · Scale 2, in force from 26 Feb 2026)