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$33,268
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,303
−HK$1,051/mo
Today · 4.125%
HK$35,354
baseline
▲ 0.50% · 4.625%
HK$37,506
+HK$2,152/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,708/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,010
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,003
−HK$1,007/mo
Today · 4.125%
HK$39,010
baseline
▲ 0.50% · 4.625%
HK$41,066
+HK$2,056/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$78,020/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,922
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,164
−HK$1,261/mo
Today · 4.125%
HK$42,425
baseline
▲ 0.50% · 4.625%
HK$45,007
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$84,850/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,413
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,604
−HK$1,208/mo
Today · 4.125%
HK$46,812
baseline
▲ 0.50% · 4.625%
HK$49,280
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$93,624/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,575
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,024
−HK$1,472/mo
Today · 4.125%
HK$49,496
baseline
▲ 0.50% · 4.625%
HK$52,508
+HK$3,012/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,992/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,815
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,204
−HK$1,410/mo
Today · 4.125%
HK$54,614
baseline
▲ 0.50% · 4.625%
HK$57,493
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,228/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,883
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,745
−HK$1,893/mo
Today · 4.125%
HK$63,638
baseline
▲ 0.50% · 4.625%
HK$67,510
+HK$3,872/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,276/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,619
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,406
−HK$1,812/mo
Today · 4.125%
HK$70,218
baseline
▲ 0.50% · 4.625%
HK$73,919
+HK$3,701/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,436/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,113 · Scale 2, in force from 26 Feb 2026)