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$33,212
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,245
−HK$1,050/mo
Today · 4.125%
HK$35,295
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,590/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,948
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,939
−HK$1,006/mo
Today · 4.125%
HK$38,945
baseline
▲ 0.50% · 4.625%
HK$40,997
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,890/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,855
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,095
−HK$1,259/mo
Today · 4.125%
HK$42,354
baseline
▲ 0.50% · 4.625%
HK$44,931
+HK$2,577/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,708/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,338
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,207/mo
Today · 4.125%
HK$46,734
baseline
▲ 0.50% · 4.625%
HK$49,197
+HK$2,463/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,468/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,497
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,944
−HK$1,469/mo
Today · 4.125%
HK$49,413
baseline
▲ 0.50% · 4.625%
HK$52,420
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,826/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,728
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,115
−HK$1,407/mo
Today · 4.125%
HK$54,522
baseline
▲ 0.50% · 4.625%
HK$57,396
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,044/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,782
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,642
−HK$1,889/mo
Today · 4.125%
HK$63,531
baseline
▲ 0.50% · 4.625%
HK$67,397
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,062/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,507
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,291
−HK$1,809/mo
Today · 4.125%
HK$70,100
baseline
▲ 0.50% · 4.625%
HK$73,795
+HK$3,695/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,200/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,194 · Scale 2, in force from 26 Feb 2026)