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$33,254
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,288
−HK$1,051/mo
Today · 4.125%
HK$35,339
baseline
▲ 0.50% · 4.625%
HK$37,490
+HK$2,151/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,678/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,995
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,987
−HK$1,006/mo
Today · 4.125%
HK$38,993
baseline
▲ 0.50% · 4.625%
HK$41,049
+HK$2,056/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,986/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,905
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,146
−HK$1,261/mo
Today · 4.125%
HK$42,407
baseline
▲ 0.50% · 4.625%
HK$44,988
+HK$2,581/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,814/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,394
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,584
−HK$1,208/mo
Today · 4.125%
HK$46,792
baseline
▲ 0.50% · 4.625%
HK$49,259
+HK$2,467/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,584/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,556
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,004
−HK$1,471/mo
Today · 4.125%
HK$49,475
baseline
▲ 0.50% · 4.625%
HK$52,486
+HK$3,011/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,950/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,793
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,182
−HK$1,409/mo
Today · 4.125%
HK$54,591
baseline
▲ 0.50% · 4.625%
HK$57,468
+HK$2,877/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,182/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,857
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,719
−HK$1,892/mo
Today · 4.125%
HK$63,611
baseline
▲ 0.50% · 4.625%
HK$67,481
+HK$3,870/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,222/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,591
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,376
−HK$1,812/mo
Today · 4.125%
HK$70,188
baseline
▲ 0.50% · 4.625%
HK$73,888
+HK$3,700/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,376/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,880 · Scale 2, in force from 26 Feb 2026)