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$33,211
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,244
−HK$1,049/mo
Today · 4.125%
HK$35,293
baseline
▲ 0.50% · 4.625%
HK$37,441
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,586/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,947
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,937
−HK$1,006/mo
Today · 4.125%
HK$38,943
baseline
▲ 0.50% · 4.625%
HK$40,995
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,886/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,853
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,093
−HK$1,259/mo
Today · 4.125%
HK$42,352
baseline
▲ 0.50% · 4.625%
HK$44,929
+HK$2,577/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,704/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,336
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,525
−HK$1,206/mo
Today · 4.125%
HK$46,731
baseline
▲ 0.50% · 4.625%
HK$49,195
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,462/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,495
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,941
−HK$1,470/mo
Today · 4.125%
HK$49,411
baseline
▲ 0.50% · 4.625%
HK$52,417
+HK$3,006/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,822/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,725
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,112
−HK$1,408/mo
Today · 4.125%
HK$54,520
baseline
▲ 0.50% · 4.625%
HK$57,394
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,040/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,779
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,639
−HK$1,889/mo
Today · 4.125%
HK$63,528
baseline
▲ 0.50% · 4.625%
HK$67,394
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,056/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,504
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,287
−HK$1,810/mo
Today · 4.125%
HK$70,097
baseline
▲ 0.50% · 4.625%
HK$73,792
+HK$3,695/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,194/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,168 · Scale 2, in force from 26 Feb 2026)