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$33,217
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$1,050/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,448
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,954
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,945
−HK$1,005/mo
Today · 4.125%
HK$38,950
baseline
▲ 0.50% · 4.625%
HK$41,003
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,900/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,860
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,100
−HK$1,260/mo
Today · 4.125%
HK$42,360
baseline
▲ 0.50% · 4.625%
HK$44,937
+HK$2,577/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,720/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,344
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,534
−HK$1,206/mo
Today · 4.125%
HK$46,740
baseline
▲ 0.50% · 4.625%
HK$49,204
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,480/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,504
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,470/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,427
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,735
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,122
−HK$1,408/mo
Today · 4.125%
HK$54,530
baseline
▲ 0.50% · 4.625%
HK$57,404
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,060/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,790
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,650
−HK$1,890/mo
Today · 4.125%
HK$63,540
baseline
▲ 0.50% · 4.625%
HK$67,406
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,080/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,516
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,300
−HK$1,810/mo
Today · 4.125%
HK$70,110
baseline
▲ 0.50% · 4.625%
HK$73,806
+HK$3,696/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,220/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,270 · Scale 2, in force from 26 Feb 2026)