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$34,284
−HK$1,050/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$546,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,990
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,982
−HK$1,006/mo
Today · 4.125%
HK$38,988
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,976/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,899
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,140
−HK$1,261/mo
Today · 4.125%
HK$42,401
baseline
▲ 0.50% · 4.625%
HK$44,981
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,802/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,387
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,578
−HK$1,208/mo
Today · 4.125%
HK$46,786
baseline
▲ 0.50% · 4.625%
HK$49,252
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,572/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,549
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,997
−HK$1,471/mo
Today · 4.125%
HK$49,468
baseline
▲ 0.50% · 4.625%
HK$52,478
+HK$3,010/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$98,936/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,785
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,174
−HK$1,409/mo
Today · 4.125%
HK$54,583
baseline
▲ 0.50% · 4.625%
HK$57,460
+HK$2,877/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$109,166/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,849
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,710
−HK$1,892/mo
Today · 4.125%
HK$63,602
baseline
▲ 0.50% · 4.625%
HK$67,472
+HK$3,870/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,204/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,581
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,367
−HK$1,811/mo
Today · 4.125%
HK$70,178
baseline
▲ 0.50% · 4.625%
HK$73,878
+HK$3,700/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,356/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,803 · Scale 2, in force from 26 Feb 2026)