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$33,222
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,255
−HK$1,050/mo
Today · 4.125%
HK$35,305
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$2,148/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,610/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,959
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,950
−HK$1,005/mo
Today · 4.125%
HK$38,955
baseline
▲ 0.50% · 4.625%
HK$41,009
+HK$2,054/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,910/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,866
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,106
−HK$1,260/mo
Today · 4.125%
HK$42,366
baseline
▲ 0.50% · 4.625%
HK$44,944
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,732/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,350
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,540
−HK$1,206/mo
Today · 4.125%
HK$46,746
baseline
▲ 0.50% · 4.625%
HK$49,211
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,492/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,510
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,957
−HK$1,470/mo
Today · 4.125%
HK$49,427
baseline
▲ 0.50% · 4.625%
HK$52,434
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,854/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,742
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$53,130
−HK$1,408/mo
Today · 4.125%
HK$54,538
baseline
▲ 0.50% · 4.625%
HK$57,412
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,076/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,799
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,659
−HK$1,890/mo
Today · 4.125%
HK$63,549
baseline
▲ 0.50% · 4.625%
HK$67,415
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,098/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,526
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,310
−HK$1,810/mo
Today · 4.125%
HK$70,120
baseline
▲ 0.50% · 4.625%
HK$73,816
+HK$3,696/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,240/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,346 · Scale 2, in force from 26 Feb 2026)