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$33,234
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,268
−HK$1,050/mo
Today · 4.125%
HK$35,318
baseline
▲ 0.50% · 4.625%
HK$37,467
+HK$2,149/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,636/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,973
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,964
−HK$1,006/mo
Today · 4.125%
HK$38,970
baseline
▲ 0.50% · 4.625%
HK$41,024
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,940/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,881
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,122
−HK$1,260/mo
Today · 4.125%
HK$42,382
baseline
▲ 0.50% · 4.625%
HK$44,961
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,764/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,367
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,557
−HK$1,207/mo
Today · 4.125%
HK$46,764
baseline
▲ 0.50% · 4.625%
HK$49,229
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,528/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,528
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,975
−HK$1,471/mo
Today · 4.125%
HK$49,446
baseline
▲ 0.50% · 4.625%
HK$52,454
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,892/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,762
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,150
−HK$1,408/mo
Today · 4.125%
HK$54,558
baseline
▲ 0.50% · 4.625%
HK$57,434
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,116/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,822
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,682
−HK$1,891/mo
Today · 4.125%
HK$63,573
baseline
▲ 0.50% · 4.625%
HK$67,441
+HK$3,868/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,146/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,551
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,336
−HK$1,811/mo
Today · 4.125%
HK$70,147
baseline
▲ 0.50% · 4.625%
HK$73,844
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,294/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,555 · Scale 2, in force from 26 Feb 2026)