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$33,258
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,293
−HK$1,051/mo
Today · 4.125%
HK$35,344
baseline
▲ 0.50% · 4.625%
HK$37,494
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,688/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,999
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,991
−HK$1,007/mo
Today · 4.125%
HK$38,998
baseline
▲ 0.50% · 4.625%
HK$41,054
+HK$2,056/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,996/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,910
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,151
−HK$1,261/mo
Today · 4.125%
HK$42,412
baseline
▲ 0.50% · 4.625%
HK$44,993
+HK$2,581/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,824/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,399
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,590
−HK$1,208/mo
Today · 4.125%
HK$46,798
baseline
▲ 0.50% · 4.625%
HK$49,265
+HK$2,467/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,596/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,561
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,010
−HK$1,471/mo
Today · 4.125%
HK$49,481
baseline
▲ 0.50% · 4.625%
HK$52,492
+HK$3,011/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,962/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,799
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,188
−HK$1,409/mo
Today · 4.125%
HK$54,597
baseline
▲ 0.50% · 4.625%
HK$57,475
+HK$2,878/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,194/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,864
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,727
−HK$1,891/mo
Today · 4.125%
HK$63,618
baseline
▲ 0.50% · 4.625%
HK$67,489
+HK$3,871/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,236/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,599
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,385
−HK$1,812/mo
Today · 4.125%
HK$70,197
baseline
▲ 0.50% · 4.625%
HK$73,897
+HK$3,700/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,394/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$546,945 · Scale 2, in force from 26 Feb 2026)