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$33,229
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,263
−HK$1,050/mo
Today · 4.125%
HK$35,313
baseline
▲ 0.50% · 4.625%
HK$37,461
+HK$2,148/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,626/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,967
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,958
−HK$1,006/mo
Today · 4.125%
HK$38,964
baseline
▲ 0.50% · 4.625%
HK$41,018
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,928/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,875
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,115
−HK$1,260/mo
Today · 4.125%
HK$42,375
baseline
▲ 0.50% · 4.625%
HK$44,954
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,750/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,360
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,550
−HK$1,207/mo
Today · 4.125%
HK$46,757
baseline
▲ 0.50% · 4.625%
HK$49,221
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,514/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,520
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,968
−HK$1,470/mo
Today · 4.125%
HK$49,438
baseline
▲ 0.50% · 4.625%
HK$52,446
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,876/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,754
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,142
−HK$1,408/mo
Today · 4.125%
HK$54,550
baseline
▲ 0.50% · 4.625%
HK$57,425
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,100/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,812
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,673
−HK$1,890/mo
Today · 4.125%
HK$63,563
baseline
▲ 0.50% · 4.625%
HK$67,430
+HK$3,867/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,126/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,540
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,325
−HK$1,810/mo
Today · 4.125%
HK$70,135
baseline
▲ 0.50% · 4.625%
HK$73,832
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,270/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,467 · Scale 2, in force from 26 Feb 2026)