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$33,245
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$1,051/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,480
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,985
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,006/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,038
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,894
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,135
−HK$1,261/mo
Today · 4.125%
HK$42,396
baseline
▲ 0.50% · 4.625%
HK$44,976
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,792/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,382
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,572
−HK$1,208/mo
Today · 4.125%
HK$46,780
baseline
▲ 0.50% · 4.625%
HK$49,246
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,560/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,543
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,991
−HK$1,471/mo
Today · 4.125%
HK$49,462
baseline
▲ 0.50% · 4.625%
HK$52,472
+HK$3,010/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$98,924/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,779
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,168
−HK$1,408/mo
Today · 4.125%
HK$54,576
baseline
▲ 0.50% · 4.625%
HK$57,453
+HK$2,877/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$109,152/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,841
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,703
−HK$1,891/mo
Today · 4.125%
HK$63,594
baseline
▲ 0.50% · 4.625%
HK$67,464
+HK$3,870/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,188/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,573
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,358
−HK$1,812/mo
Today · 4.125%
HK$70,170
baseline
▲ 0.50% · 4.625%
HK$73,868
+HK$3,698/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,340/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,735 · Scale 2, in force from 26 Feb 2026)