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$33,251
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,285
−HK$1,051/mo
Today · 4.125%
HK$35,336
baseline
▲ 0.50% · 4.625%
HK$37,486
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,672/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,991
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,984
−HK$1,006/mo
Today · 4.125%
HK$38,990
baseline
▲ 0.50% · 4.625%
HK$41,045
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,980/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,901
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,142
−HK$1,261/mo
Today · 4.125%
HK$42,403
baseline
▲ 0.50% · 4.625%
HK$44,984
+HK$2,581/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,806/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,390
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,580
−HK$1,208/mo
Today · 4.125%
HK$46,788
baseline
▲ 0.50% · 4.625%
HK$49,254
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,576/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,551
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$47,999
−HK$1,472/mo
Today · 4.125%
HK$49,471
baseline
▲ 0.50% · 4.625%
HK$52,481
+HK$3,010/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$98,942/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,788
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,177
−HK$1,409/mo
Today · 4.125%
HK$54,586
baseline
▲ 0.50% · 4.625%
HK$57,463
+HK$2,877/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$109,172/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,852
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,714
−HK$1,891/mo
Today · 4.125%
HK$63,605
baseline
▲ 0.50% · 4.625%
HK$67,475
+HK$3,870/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,210/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,585
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,370
−HK$1,812/mo
Today · 4.125%
HK$70,182
baseline
▲ 0.50% · 4.625%
HK$73,881
+HK$3,699/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,364/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,831 · Scale 2, in force from 26 Feb 2026)