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$33,214
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$1,050/mo
Today · 4.125%
HK$35,297
baseline
▲ 0.50% · 4.625%
HK$37,444
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,594/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,950
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,941
−HK$1,005/mo
Today · 4.125%
HK$38,946
baseline
▲ 0.50% · 4.625%
HK$40,999
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,892/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,857
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,096
−HK$1,260/mo
Today · 4.125%
HK$42,356
baseline
▲ 0.50% · 4.625%
HK$44,933
+HK$2,577/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,712/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,340
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,529
−HK$1,207/mo
Today · 4.125%
HK$46,736
baseline
▲ 0.50% · 4.625%
HK$49,199
+HK$2,463/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,472/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,499
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,946
−HK$1,469/mo
Today · 4.125%
HK$49,415
baseline
▲ 0.50% · 4.625%
HK$52,422
+HK$3,007/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,830/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,730
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,117
−HK$1,408/mo
Today · 4.125%
HK$54,525
baseline
▲ 0.50% · 4.625%
HK$57,399
+HK$2,874/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,050/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,785
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,644
−HK$1,890/mo
Today · 4.125%
HK$63,534
baseline
▲ 0.50% · 4.625%
HK$67,400
+HK$3,866/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,068/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,510
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,294
−HK$1,809/mo
Today · 4.125%
HK$70,103
baseline
▲ 0.50% · 4.625%
HK$73,799
+HK$3,696/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,206/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,218 · Scale 2, in force from 26 Feb 2026)