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$33,242
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,276
−HK$1,050/mo
Today · 4.125%
HK$35,326
baseline
▲ 0.50% · 4.625%
HK$37,476
+HK$2,150/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,652/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,981
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,973
−HK$1,006/mo
Today · 4.125%
HK$38,979
baseline
▲ 0.50% · 4.625%
HK$41,034
+HK$2,055/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,958/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$546,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,890
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,131
−HK$1,261/mo
Today · 4.125%
HK$42,392
baseline
▲ 0.50% · 4.625%
HK$44,971
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$84,784/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,377
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,568
−HK$1,207/mo
Today · 4.125%
HK$46,775
baseline
▲ 0.50% · 4.625%
HK$49,240
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.75M · min. income ≈ HK$93,550/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,538
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,986
−HK$1,471/mo
Today · 4.125%
HK$49,457
baseline
▲ 0.50% · 4.625%
HK$52,466
+HK$3,009/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,914/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,774
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,162
−HK$1,409/mo
Today · 4.125%
HK$54,571
baseline
▲ 0.50% · 4.625%
HK$57,447
+HK$2,876/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,142/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,835
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,696
−HK$1,891/mo
Today · 4.125%
HK$63,587
baseline
▲ 0.50% · 4.625%
HK$67,456
+HK$3,869/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,174/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,566
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,351
−HK$1,811/mo
Today · 4.125%
HK$70,162
baseline
▲ 0.50% · 4.625%
HK$73,861
+HK$3,699/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,324/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,678 · Scale 2, in force from 26 Feb 2026)