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$33,241
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,275
−HK$1,050/mo
Today · 4.125%
HK$35,325
baseline
▲ 0.50% · 4.625%
HK$37,475
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,650/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,980
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,972
−HK$1,006/mo
Today · 4.125%
HK$38,978
baseline
▲ 0.50% · 4.625%
HK$41,032
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,956/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,889
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,129
−HK$1,261/mo
Today · 4.125%
HK$42,390
baseline
▲ 0.50% · 4.625%
HK$44,969
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,780/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,376
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,566
−HK$1,207/mo
Today · 4.125%
HK$46,773
baseline
▲ 0.50% · 4.625%
HK$49,239
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,546/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,537
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,984
−HK$1,471/mo
Today · 4.125%
HK$49,455
baseline
▲ 0.50% · 4.625%
HK$52,464
+HK$3,009/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,910/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,772
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,160
−HK$1,409/mo
Today · 4.125%
HK$54,569
baseline
▲ 0.50% · 4.625%
HK$57,445
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,138/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,833
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,694
−HK$1,891/mo
Today · 4.125%
HK$63,585
baseline
▲ 0.50% · 4.625%
HK$67,454
+HK$3,869/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,170/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,564
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,349
−HK$1,811/mo
Today · 4.125%
HK$70,160
baseline
▲ 0.50% · 4.625%
HK$73,858
+HK$3,698/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,320/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,659 · Scale 2, in force from 26 Feb 2026)