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$33,223
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$1,050/mo
Today · 4.125%
HK$35,306
baseline
▲ 0.50% · 4.625%
HK$37,454
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,612/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,960
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,951
−HK$1,006/mo
Today · 4.125%
HK$38,957
baseline
▲ 0.50% · 4.625%
HK$41,010
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,914/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,867
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,107
−HK$1,260/mo
Today · 4.125%
HK$42,367
baseline
▲ 0.50% · 4.625%
HK$44,945
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,734/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,352
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,541
−HK$1,207/mo
Today · 4.125%
HK$46,748
baseline
▲ 0.50% · 4.625%
HK$49,212
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,496/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,512
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,958
−HK$1,470/mo
Today · 4.125%
HK$49,428
baseline
▲ 0.50% · 4.625%
HK$52,436
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,856/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,744
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,131
−HK$1,408/mo
Today · 4.125%
HK$54,539
baseline
▲ 0.50% · 4.625%
HK$57,414
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,078/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,801
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,661
−HK$1,890/mo
Today · 4.125%
HK$63,551
baseline
▲ 0.50% · 4.625%
HK$67,417
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,102/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,527
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,312
−HK$1,810/mo
Today · 4.125%
HK$70,122
baseline
▲ 0.50% · 4.625%
HK$73,818
+HK$3,696/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,244/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,362 · Scale 2, in force from 26 Feb 2026)