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$33,204
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,237
−HK$1,049/mo
Today · 4.125%
HK$35,286
baseline
▲ 0.50% · 4.625%
HK$37,433
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,572/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,939
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,930
−HK$1,005/mo
Today · 4.125%
HK$38,935
baseline
▲ 0.50% · 4.625%
HK$40,987
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,870/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,845
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,084
−HK$1,260/mo
Today · 4.125%
HK$42,344
baseline
▲ 0.50% · 4.625%
HK$44,920
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$84,688/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,327
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,516
−HK$1,206/mo
Today · 4.125%
HK$46,722
baseline
▲ 0.50% · 4.625%
HK$49,185
+HK$2,463/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$93,444/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,486
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,932
−HK$1,469/mo
Today · 4.125%
HK$49,401
baseline
▲ 0.50% · 4.625%
HK$52,407
+HK$3,006/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,802/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,715
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,102
−HK$1,407/mo
Today · 4.125%
HK$54,509
baseline
▲ 0.50% · 4.625%
HK$57,382
+HK$2,873/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$109,018/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,767
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,627
−HK$1,888/mo
Today · 4.125%
HK$63,515
baseline
▲ 0.50% · 4.625%
HK$67,380
+HK$3,865/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,030/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,491
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,274
−HK$1,809/mo
Today · 4.125%
HK$70,083
baseline
▲ 0.50% · 4.625%
HK$73,777
+HK$3,694/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,166/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,060 · Scale 2, in force from 26 Feb 2026)