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$33,237
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,271
−HK$1,051/mo
Today · 4.125%
HK$35,322
baseline
▲ 0.50% · 4.625%
HK$37,471
+HK$2,149/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,644/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,968
−HK$1,006/mo
Today · 4.125%
HK$38,974
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,948/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,885
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,125
−HK$1,261/mo
Today · 4.125%
HK$42,386
baseline
▲ 0.50% · 4.625%
HK$44,965
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,772/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,371
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,561
−HK$1,208/mo
Today · 4.125%
HK$46,769
baseline
▲ 0.50% · 4.625%
HK$49,234
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,538/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,532
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,980
−HK$1,470/mo
Today · 4.125%
HK$49,450
baseline
▲ 0.50% · 4.625%
HK$52,459
+HK$3,009/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,900/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,767
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,155
−HK$1,408/mo
Today · 4.125%
HK$54,563
baseline
▲ 0.50% · 4.625%
HK$57,439
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,126/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,827
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,688
−HK$1,891/mo
Today · 4.125%
HK$63,579
baseline
▲ 0.50% · 4.625%
HK$67,447
+HK$3,868/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,158/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,557
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,342
−HK$1,811/mo
Today · 4.125%
HK$70,153
baseline
▲ 0.50% · 4.625%
HK$73,851
+HK$3,698/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,306/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,605 · Scale 2, in force from 26 Feb 2026)