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$33,257
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,292
−HK$1,051/mo
Today · 4.125%
HK$35,343
baseline
▲ 0.50% · 4.625%
HK$37,493
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,686/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,998
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,990
−HK$1,007/mo
Today · 4.125%
HK$38,997
baseline
▲ 0.50% · 4.625%
HK$41,053
+HK$2,056/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,994/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,909
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,150
−HK$1,261/mo
Today · 4.125%
HK$42,411
baseline
▲ 0.50% · 4.625%
HK$44,992
+HK$2,581/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,822/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,398
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,589
−HK$1,208/mo
Today · 4.125%
HK$46,797
baseline
▲ 0.50% · 4.625%
HK$49,263
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,594/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,560
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,008
−HK$1,472/mo
Today · 4.125%
HK$49,480
baseline
▲ 0.50% · 4.625%
HK$52,490
+HK$3,010/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,960/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,797
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,409/mo
Today · 4.125%
HK$54,596
baseline
▲ 0.50% · 4.625%
HK$57,474
+HK$2,878/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,192/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,863
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,725
−HK$1,892/mo
Today · 4.125%
HK$63,617
baseline
▲ 0.50% · 4.625%
HK$67,488
+HK$3,871/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,234/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,597
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,383
−HK$1,812/mo
Today · 4.125%
HK$70,195
baseline
▲ 0.50% · 4.625%
HK$73,895
+HK$3,700/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,390/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,931 · Scale 2, in force from 26 Feb 2026)