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$33,250
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,284
−HK$1,051/mo
Today · 4.125%
HK$35,335
baseline
▲ 0.50% · 4.625%
HK$37,485
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,670/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,990
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,982
−HK$1,007/mo
Today · 4.125%
HK$38,989
baseline
▲ 0.50% · 4.625%
HK$41,044
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,978/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,900
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,141
−HK$1,261/mo
Today · 4.125%
HK$42,402
baseline
▲ 0.50% · 4.625%
HK$44,982
+HK$2,580/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,804/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,389
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,579
−HK$1,208/mo
Today · 4.125%
HK$46,787
baseline
▲ 0.50% · 4.625%
HK$49,253
+HK$2,466/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,574/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,550
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,998
−HK$1,471/mo
Today · 4.125%
HK$49,469
baseline
▲ 0.50% · 4.625%
HK$52,479
+HK$3,010/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$98,938/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,787
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,175
−HK$1,409/mo
Today · 4.125%
HK$54,584
baseline
▲ 0.50% · 4.625%
HK$57,462
+HK$2,878/mo
Deposit HK$4.37M · loan HK$10.21M · min. income ≈ HK$109,168/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,850
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,712
−HK$1,891/mo
Today · 4.125%
HK$63,603
baseline
▲ 0.50% · 4.625%
HK$67,473
+HK$3,870/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,206/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,583
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,368
−HK$1,812/mo
Today · 4.125%
HK$70,180
baseline
▲ 0.50% · 4.625%
HK$73,879
+HK$3,699/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,360/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,816 · Scale 2, in force from 26 Feb 2026)