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$33,230
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,263
−HK$1,051/mo
Today · 4.125%
HK$35,314
baseline
▲ 0.50% · 4.625%
HK$37,462
+HK$2,148/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,628/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,968
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,959
−HK$1,006/mo
Today · 4.125%
HK$38,965
baseline
▲ 0.50% · 4.625%
HK$41,019
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,930/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,876
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,116
−HK$1,260/mo
Today · 4.125%
HK$42,376
baseline
▲ 0.50% · 4.625%
HK$44,955
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,752/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,361
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,551
−HK$1,207/mo
Today · 4.125%
HK$46,758
baseline
▲ 0.50% · 4.625%
HK$49,223
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,516/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,522
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,969
−HK$1,470/mo
Today · 4.125%
HK$49,439
baseline
▲ 0.50% · 4.625%
HK$52,447
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,878/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,755
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,143
−HK$1,408/mo
Today · 4.125%
HK$54,551
baseline
▲ 0.50% · 4.625%
HK$57,427
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,102/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,814
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,674
−HK$1,891/mo
Today · 4.125%
HK$63,565
baseline
▲ 0.50% · 4.625%
HK$67,432
+HK$3,867/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,130/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,542
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,327
−HK$1,810/mo
Today · 4.125%
HK$70,137
baseline
▲ 0.50% · 4.625%
HK$73,834
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,274/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,483 · Scale 2, in force from 26 Feb 2026)