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$33,247
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,281
−HK$1,051/mo
Today · 4.125%
HK$35,332
baseline
▲ 0.50% · 4.625%
HK$37,482
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,664/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,987
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,979
−HK$1,006/mo
Today · 4.125%
HK$38,985
baseline
▲ 0.50% · 4.625%
HK$41,040
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,970/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,896
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,137
−HK$1,261/mo
Today · 4.125%
HK$42,398
baseline
▲ 0.50% · 4.625%
HK$44,978
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,796/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,384
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,575
−HK$1,207/mo
Today · 4.125%
HK$46,782
baseline
▲ 0.50% · 4.625%
HK$49,248
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,564/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,546
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,994
−HK$1,471/mo
Today · 4.125%
HK$49,465
baseline
▲ 0.50% · 4.625%
HK$52,474
+HK$3,009/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$98,930/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,782
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,170
−HK$1,409/mo
Today · 4.125%
HK$54,579
baseline
▲ 0.50% · 4.625%
HK$57,456
+HK$2,877/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$109,158/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,844
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,706
−HK$1,891/mo
Today · 4.125%
HK$63,597
baseline
▲ 0.50% · 4.625%
HK$67,467
+HK$3,870/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,194/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,576
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,362
−HK$1,811/mo
Today · 4.125%
HK$70,173
baseline
▲ 0.50% · 4.625%
HK$73,872
+HK$3,699/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,346/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,764 · Scale 2, in force from 26 Feb 2026)