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$33,224
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$1,050/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,456
+HK$2,149/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,952
−HK$1,006/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,012
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,916/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,869
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,109
−HK$1,260/mo
Today · 4.125%
HK$42,369
baseline
▲ 0.50% · 4.625%
HK$44,947
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,738/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,353
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,543
−HK$1,207/mo
Today · 4.125%
HK$46,750
baseline
▲ 0.50% · 4.625%
HK$49,214
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,500/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,513
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,960
−HK$1,470/mo
Today · 4.125%
HK$49,430
baseline
▲ 0.50% · 4.625%
HK$52,438
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,860/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,746
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,133
−HK$1,408/mo
Today · 4.125%
HK$54,541
baseline
▲ 0.50% · 4.625%
HK$57,416
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,082/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,803
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,663
−HK$1,890/mo
Today · 4.125%
HK$63,553
baseline
▲ 0.50% · 4.625%
HK$67,420
+HK$3,867/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,106/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,530
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,314
−HK$1,811/mo
Today · 4.125%
HK$70,125
baseline
▲ 0.50% · 4.625%
HK$73,821
+HK$3,696/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,250/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,384 · Scale 2, in force from 26 Feb 2026)