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$33,228
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,262
−HK$1,050/mo
Today · 4.125%
HK$35,312
baseline
▲ 0.50% · 4.625%
HK$37,460
+HK$2,148/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,624/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,966
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,957
−HK$1,006/mo
Today · 4.125%
HK$38,963
baseline
▲ 0.50% · 4.625%
HK$41,017
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,926/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,874
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,114
−HK$1,260/mo
Today · 4.125%
HK$42,374
baseline
▲ 0.50% · 4.625%
HK$44,952
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,748/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,359
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,549
−HK$1,207/mo
Today · 4.125%
HK$46,756
baseline
▲ 0.50% · 4.625%
HK$49,220
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,512/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,519
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,966
−HK$1,470/mo
Today · 4.125%
HK$49,436
baseline
▲ 0.50% · 4.625%
HK$52,444
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,872/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,752
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,140
−HK$1,408/mo
Today · 4.125%
HK$54,548
baseline
▲ 0.50% · 4.625%
HK$57,424
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,096/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,810
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,671
−HK$1,890/mo
Today · 4.125%
HK$63,561
baseline
▲ 0.50% · 4.625%
HK$67,429
+HK$3,868/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,122/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,539
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,323
−HK$1,810/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$73,830
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,453 · Scale 2, in force from 26 Feb 2026)