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$33,210
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,243
−HK$1,050/mo
Today · 4.125%
HK$35,293
baseline
▲ 0.50% · 4.625%
HK$37,440
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,586/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,946
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,937
−HK$1,005/mo
Today · 4.125%
HK$38,942
baseline
▲ 0.50% · 4.625%
HK$40,995
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,884/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,852
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,092
−HK$1,260/mo
Today · 4.125%
HK$42,352
baseline
▲ 0.50% · 4.625%
HK$44,929
+HK$2,577/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,704/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,335
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,525
−HK$1,206/mo
Today · 4.125%
HK$46,731
baseline
▲ 0.50% · 4.625%
HK$49,194
+HK$2,463/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,462/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,495
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,941
−HK$1,469/mo
Today · 4.125%
HK$49,410
baseline
▲ 0.50% · 4.625%
HK$52,417
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,820/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,725
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,112
−HK$1,407/mo
Today · 4.125%
HK$54,519
baseline
▲ 0.50% · 4.625%
HK$57,393
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,038/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,779
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,638
−HK$1,889/mo
Today · 4.125%
HK$63,527
baseline
▲ 0.50% · 4.625%
HK$67,393
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,054/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,503
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,287
−HK$1,809/mo
Today · 4.125%
HK$70,096
baseline
▲ 0.50% · 4.625%
HK$73,791
+HK$3,695/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,192/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,163 · Scale 2, in force from 26 Feb 2026)