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$33,219
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,252
−HK$1,050/mo
Today · 4.125%
HK$35,302
baseline
▲ 0.50% · 4.625%
HK$37,450
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,604/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,956
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,947
−HK$1,005/mo
Today · 4.125%
HK$38,952
baseline
▲ 0.50% · 4.625%
HK$41,005
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,904/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,863
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,103
−HK$1,259/mo
Today · 4.125%
HK$42,362
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,724/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,347
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,536
−HK$1,207/mo
Today · 4.125%
HK$46,743
baseline
▲ 0.50% · 4.625%
HK$49,207
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,486/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,506
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,953
−HK$1,470/mo
Today · 4.125%
HK$49,423
baseline
▲ 0.50% · 4.625%
HK$52,430
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,846/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,738
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,125
−HK$1,408/mo
Today · 4.125%
HK$54,533
baseline
▲ 0.50% · 4.625%
HK$57,408
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,066/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,794
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,654
−HK$1,889/mo
Today · 4.125%
HK$63,543
baseline
▲ 0.50% · 4.625%
HK$67,410
+HK$3,867/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,086/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,520
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,304
−HK$1,810/mo
Today · 4.125%
HK$70,114
baseline
▲ 0.50% · 4.625%
HK$73,810
+HK$3,696/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,228/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,301 · Scale 2, in force from 26 Feb 2026)