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$33,239
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$1,050/mo
Today · 4.125%
HK$35,323
baseline
▲ 0.50% · 4.625%
HK$37,473
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,646/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,978
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,006/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,030
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,887
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,128
−HK$1,260/mo
Today · 4.125%
HK$42,388
baseline
▲ 0.50% · 4.625%
HK$44,967
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,776/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,374
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,564
−HK$1,207/mo
Today · 4.125%
HK$46,771
baseline
▲ 0.50% · 4.625%
HK$49,236
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,542/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,535
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,982
−HK$1,471/mo
Today · 4.125%
HK$49,453
baseline
▲ 0.50% · 4.625%
HK$52,462
+HK$3,009/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,906/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,769
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,158
−HK$1,408/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,442
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,830
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,691
−HK$1,891/mo
Today · 4.125%
HK$63,582
baseline
▲ 0.50% · 4.625%
HK$67,451
+HK$3,869/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,164/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,561
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,346
−HK$1,811/mo
Today · 4.125%
HK$70,157
baseline
▲ 0.50% · 4.625%
HK$73,855
+HK$3,698/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,314/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,633 · Scale 2, in force from 26 Feb 2026)