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$33,255
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,290
−HK$1,050/mo
Today · 4.125%
HK$35,340
baseline
▲ 0.50% · 4.625%
HK$37,491
+HK$2,151/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,680/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,996
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,988
−HK$1,007/mo
Today · 4.125%
HK$38,995
baseline
▲ 0.50% · 4.625%
HK$41,050
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,990/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,906
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,147
−HK$1,262/mo
Today · 4.125%
HK$42,409
baseline
▲ 0.50% · 4.625%
HK$44,989
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,818/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,395
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,586
−HK$1,208/mo
Today · 4.125%
HK$46,794
baseline
▲ 0.50% · 4.625%
HK$49,260
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,588/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,557
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,005
−HK$1,472/mo
Today · 4.125%
HK$49,477
baseline
▲ 0.50% · 4.625%
HK$52,487
+HK$3,010/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,954/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,794
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,183
−HK$1,410/mo
Today · 4.125%
HK$54,593
baseline
▲ 0.50% · 4.625%
HK$57,470
+HK$2,877/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,186/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,859
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,721
−HK$1,892/mo
Today · 4.125%
HK$63,613
baseline
▲ 0.50% · 4.625%
HK$67,484
+HK$3,871/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,226/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,593
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,379
−HK$1,812/mo
Today · 4.125%
HK$70,191
baseline
▲ 0.50% · 4.625%
HK$73,890
+HK$3,699/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,382/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,898 · Scale 2, in force from 26 Feb 2026)