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$33,232
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,266
−HK$1,050/mo
Today · 4.125%
HK$35,316
baseline
▲ 0.50% · 4.625%
HK$37,465
+HK$2,149/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,632/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,970
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,962
−HK$1,006/mo
Today · 4.125%
HK$38,968
baseline
▲ 0.50% · 4.625%
HK$41,022
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,936/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,879
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,119
−HK$1,260/mo
Today · 4.125%
HK$42,379
baseline
▲ 0.50% · 4.625%
HK$44,958
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,758/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,365
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,554
−HK$1,207/mo
Today · 4.125%
HK$46,761
baseline
▲ 0.50% · 4.625%
HK$49,226
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,522/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,525
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,972
−HK$1,471/mo
Today · 4.125%
HK$49,443
baseline
▲ 0.50% · 4.625%
HK$52,451
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,886/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,759
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,147
−HK$1,408/mo
Today · 4.125%
HK$54,555
baseline
▲ 0.50% · 4.625%
HK$57,431
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,110/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,818
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,679
−HK$1,890/mo
Today · 4.125%
HK$63,569
baseline
▲ 0.50% · 4.625%
HK$67,437
+HK$3,868/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,138/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,547
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,332
−HK$1,810/mo
Today · 4.125%
HK$70,142
baseline
▲ 0.50% · 4.625%
HK$73,839
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,284/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,520 · Scale 2, in force from 26 Feb 2026)