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$33,244
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,278
−HK$1,051/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,478
+HK$2,149/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,984
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,976
−HK$1,006/mo
Today · 4.125%
HK$38,982
baseline
▲ 0.50% · 4.625%
HK$41,037
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,964/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,893
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,134
−HK$1,260/mo
Today · 4.125%
HK$42,394
baseline
▲ 0.50% · 4.625%
HK$44,974
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,788/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,380
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,571
−HK$1,207/mo
Today · 4.125%
HK$46,778
baseline
▲ 0.50% · 4.625%
HK$49,244
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,556/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,542
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,989
−HK$1,471/mo
Today · 4.125%
HK$49,460
baseline
▲ 0.50% · 4.625%
HK$52,470
+HK$3,010/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$98,920/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,777
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,166
−HK$1,408/mo
Today · 4.125%
HK$54,574
baseline
▲ 0.50% · 4.625%
HK$57,451
+HK$2,877/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$109,148/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,839
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,701
−HK$1,891/mo
Today · 4.125%
HK$63,592
baseline
▲ 0.50% · 4.625%
HK$67,461
+HK$3,869/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,184/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,571
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,356
−HK$1,811/mo
Today · 4.125%
HK$70,167
baseline
▲ 0.50% · 4.625%
HK$73,866
+HK$3,699/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,334/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,716 · Scale 2, in force from 26 Feb 2026)