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$34,247
−HK$1,049/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$546,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,950
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,941
−HK$1,005/mo
Today · 4.125%
HK$38,946
baseline
▲ 0.50% · 4.625%
HK$40,999
+HK$2,053/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$546,213 · 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$44,933
+HK$2,578/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$546,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,340
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,529
−HK$1,206/mo
Today · 4.125%
HK$46,735
baseline
▲ 0.50% · 4.625%
HK$49,199
+HK$2,464/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$546,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,499
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,945
−HK$1,470/mo
Today · 4.125%
HK$49,415
baseline
▲ 0.50% · 4.625%
HK$52,422
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,830/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,730
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,117
−HK$1,407/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$546,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,784
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,644
−HK$1,889/mo
Today · 4.125%
HK$63,533
baseline
▲ 0.50% · 4.625%
HK$67,399
+HK$3,866/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$546,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,509
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,293
−HK$1,810/mo
Today · 4.125%
HK$70,103
baseline
▲ 0.50% · 4.625%
HK$73,798
+HK$3,695/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,206/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,213 · Scale 2, in force from 26 Feb 2026)