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$33,259
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,294
−HK$1,051/mo
Today · 4.125%
HK$35,345
baseline
▲ 0.50% · 4.625%
HK$37,495
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,690/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,000
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,993
−HK$1,006/mo
Today · 4.125%
HK$38,999
baseline
▲ 0.50% · 4.625%
HK$41,055
+HK$2,056/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,998/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,911
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,152
−HK$1,262/mo
Today · 4.125%
HK$42,414
baseline
▲ 0.50% · 4.625%
HK$44,994
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,828/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,400
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,591
−HK$1,208/mo
Today · 4.125%
HK$46,799
baseline
▲ 0.50% · 4.625%
HK$49,266
+HK$2,467/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,598/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,563
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,011
−HK$1,472/mo
Today · 4.125%
HK$49,483
baseline
▲ 0.50% · 4.625%
HK$52,493
+HK$3,010/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,966/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,800
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,190
−HK$1,409/mo
Today · 4.125%
HK$54,599
baseline
▲ 0.50% · 4.625%
HK$57,477
+HK$2,878/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,198/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,866
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,728
−HK$1,892/mo
Today · 4.125%
HK$63,620
baseline
▲ 0.50% · 4.625%
HK$67,492
+HK$3,872/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,240/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,601
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,387
−HK$1,812/mo
Today · 4.125%
HK$70,199
baseline
▲ 0.50% · 4.625%
HK$73,899
+HK$3,700/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,398/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,962 · Scale 2, in force from 26 Feb 2026)