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$33,225
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,258
−HK$1,050/mo
Today · 4.125%
HK$35,308
baseline
▲ 0.50% · 4.625%
HK$37,457
+HK$2,149/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,616/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,962
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,954
−HK$1,005/mo
Today · 4.125%
HK$38,959
baseline
▲ 0.50% · 4.625%
HK$41,013
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,918/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,870
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,110
−HK$1,260/mo
Today · 4.125%
HK$42,370
baseline
▲ 0.50% · 4.625%
HK$44,948
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,740/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,355
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,545
−HK$1,206/mo
Today · 4.125%
HK$46,751
baseline
▲ 0.50% · 4.625%
HK$49,216
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,502/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,515
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,962
−HK$1,470/mo
Today · 4.125%
HK$49,432
baseline
▲ 0.50% · 4.625%
HK$52,440
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,864/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,747
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,135
−HK$1,408/mo
Today · 4.125%
HK$54,543
baseline
▲ 0.50% · 4.625%
HK$57,418
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,086/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,805
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,665
−HK$1,890/mo
Today · 4.125%
HK$63,555
baseline
▲ 0.50% · 4.625%
HK$67,422
+HK$3,867/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,110/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,532
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,317
−HK$1,810/mo
Today · 4.125%
HK$70,127
baseline
▲ 0.50% · 4.625%
HK$73,823
+HK$3,696/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,254/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,403 · Scale 2, in force from 26 Feb 2026)