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$33,206
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,239
−HK$1,049/mo
Today · 4.125%
HK$35,288
baseline
▲ 0.50% · 4.625%
HK$37,435
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,576/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,941
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,932
−HK$1,005/mo
Today · 4.125%
HK$38,937
baseline
▲ 0.50% · 4.625%
HK$40,989
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,874/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,847
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,086
−HK$1,260/mo
Today · 4.125%
HK$42,346
baseline
▲ 0.50% · 4.625%
HK$44,922
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$84,692/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,329
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,518
−HK$1,206/mo
Today · 4.125%
HK$46,724
baseline
▲ 0.50% · 4.625%
HK$49,187
+HK$2,463/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$93,448/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,488
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,934
−HK$1,469/mo
Today · 4.125%
HK$49,403
baseline
▲ 0.50% · 4.625%
HK$52,409
+HK$3,006/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,806/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,718
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,105
−HK$1,407/mo
Today · 4.125%
HK$54,512
baseline
▲ 0.50% · 4.625%
HK$57,385
+HK$2,873/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$109,024/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,770
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,630
−HK$1,889/mo
Today · 4.125%
HK$63,519
baseline
▲ 0.50% · 4.625%
HK$67,384
+HK$3,865/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,038/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,494
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,277
−HK$1,810/mo
Today · 4.125%
HK$70,087
baseline
▲ 0.50% · 4.625%
HK$73,781
+HK$3,694/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,174/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,087 · Scale 2, in force from 26 Feb 2026)