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$33,220
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,253
−HK$1,050/mo
Today · 4.125%
HK$35,303
baseline
▲ 0.50% · 4.625%
HK$37,451
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,606/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,957
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,006/mo
Today · 4.125%
HK$38,954
baseline
▲ 0.50% · 4.625%
HK$41,007
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,908/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,864
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,104
−HK$1,260/mo
Today · 4.125%
HK$42,364
baseline
▲ 0.50% · 4.625%
HK$44,942
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,728/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,348
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,538
−HK$1,206/mo
Today · 4.125%
HK$46,744
baseline
▲ 0.50% · 4.625%
HK$49,208
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,488/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,508
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,955
−HK$1,469/mo
Today · 4.125%
HK$49,424
baseline
▲ 0.50% · 4.625%
HK$52,432
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,848/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,740
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,127
−HK$1,408/mo
Today · 4.125%
HK$54,535
baseline
▲ 0.50% · 4.625%
HK$57,410
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,070/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,796
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,656
−HK$1,890/mo
Today · 4.125%
HK$63,546
baseline
▲ 0.50% · 4.625%
HK$67,412
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,092/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,522
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,306
−HK$1,810/mo
Today · 4.125%
HK$70,116
baseline
▲ 0.50% · 4.625%
HK$73,812
+HK$3,696/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,232/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,320 · Scale 2, in force from 26 Feb 2026)