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$33,243
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,277
−HK$1,050/mo
Today · 4.125%
HK$35,327
baseline
▲ 0.50% · 4.625%
HK$37,477
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,654/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,982
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,974
−HK$1,006/mo
Today · 4.125%
HK$38,980
baseline
▲ 0.50% · 4.625%
HK$41,035
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,960/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,891
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,132
−HK$1,261/mo
Today · 4.125%
HK$42,393
baseline
▲ 0.50% · 4.625%
HK$44,972
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,786/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,379
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,569
−HK$1,207/mo
Today · 4.125%
HK$46,776
baseline
▲ 0.50% · 4.625%
HK$49,242
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,552/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,540
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,988
−HK$1,470/mo
Today · 4.125%
HK$49,458
baseline
▲ 0.50% · 4.625%
HK$52,468
+HK$3,010/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,916/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,775
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,164
−HK$1,409/mo
Today · 4.125%
HK$54,573
baseline
▲ 0.50% · 4.625%
HK$57,449
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,146/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,837
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,698
−HK$1,891/mo
Today · 4.125%
HK$63,589
baseline
▲ 0.50% · 4.625%
HK$67,459
+HK$3,870/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,178/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,568
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,354
−HK$1,811/mo
Today · 4.125%
HK$70,165
baseline
▲ 0.50% · 4.625%
HK$73,863
+HK$3,698/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,330/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,697 · Scale 2, in force from 26 Feb 2026)