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$33,213
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,246
−HK$1,050/mo
Today · 4.125%
HK$35,296
baseline
▲ 0.50% · 4.625%
HK$37,444
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,592/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,949
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,940
−HK$1,006/mo
Today · 4.125%
HK$38,946
baseline
▲ 0.50% · 4.625%
HK$40,998
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,892/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,856
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,096
−HK$1,259/mo
Today · 4.125%
HK$42,355
baseline
▲ 0.50% · 4.625%
HK$44,932
+HK$2,577/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,710/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,339
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,528
−HK$1,207/mo
Today · 4.125%
HK$46,735
baseline
▲ 0.50% · 4.625%
HK$49,198
+HK$2,463/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,470/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,498
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,945
−HK$1,469/mo
Today · 4.125%
HK$49,414
baseline
▲ 0.50% · 4.625%
HK$52,421
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,828/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,729
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,116
−HK$1,408/mo
Today · 4.125%
HK$54,524
baseline
▲ 0.50% · 4.625%
HK$57,398
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,048/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,784
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,643
−HK$1,890/mo
Today · 4.125%
HK$63,533
baseline
▲ 0.50% · 4.625%
HK$67,398
+HK$3,865/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,066/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,509
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,292
−HK$1,810/mo
Today · 4.125%
HK$70,102
baseline
▲ 0.50% · 4.625%
HK$73,797
+HK$3,695/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,204/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,208 · Scale 2, in force from 26 Feb 2026)