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$33,249
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,283
−HK$1,051/mo
Today · 4.125%
HK$35,334
baseline
▲ 0.50% · 4.625%
HK$37,484
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,668/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,989
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,981
−HK$1,006/mo
Today · 4.125%
HK$38,987
baseline
▲ 0.50% · 4.625%
HK$41,042
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,974/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,898
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,139
−HK$1,261/mo
Today · 4.125%
HK$42,400
baseline
▲ 0.50% · 4.625%
HK$44,980
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,800/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,387
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,577
−HK$1,208/mo
Today · 4.125%
HK$46,785
baseline
▲ 0.50% · 4.625%
HK$49,251
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,570/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,548
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,996
−HK$1,471/mo
Today · 4.125%
HK$49,467
baseline
▲ 0.50% · 4.625%
HK$52,477
+HK$3,010/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$98,934/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,784
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,173
−HK$1,409/mo
Today · 4.125%
HK$54,582
baseline
▲ 0.50% · 4.625%
HK$57,459
+HK$2,877/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$109,164/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,848
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,709
−HK$1,891/mo
Today · 4.125%
HK$63,600
baseline
▲ 0.50% · 4.625%
HK$67,470
+HK$3,870/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,200/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,580
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,365
−HK$1,812/mo
Today · 4.125%
HK$70,177
baseline
▲ 0.50% · 4.625%
HK$73,876
+HK$3,699/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,354/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,791 · Scale 2, in force from 26 Feb 2026)