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$33,233
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,266
−HK$1,051/mo
Today · 4.125%
HK$35,317
baseline
▲ 0.50% · 4.625%
HK$37,465
+HK$2,148/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,634/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,971
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,962
−HK$1,006/mo
Today · 4.125%
HK$38,968
baseline
▲ 0.50% · 4.625%
HK$41,022
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,936/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,879
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,120
−HK$1,260/mo
Today · 4.125%
HK$42,380
baseline
▲ 0.50% · 4.625%
HK$44,959
+HK$2,579/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,760/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,365
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,555
−HK$1,207/mo
Today · 4.125%
HK$46,762
baseline
▲ 0.50% · 4.625%
HK$49,227
+HK$2,465/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,524/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$546,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,526
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$47,973
−HK$1,470/mo
Today · 4.125%
HK$49,443
baseline
▲ 0.50% · 4.625%
HK$52,452
+HK$3,009/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,886/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,759
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,147
−HK$1,409/mo
Today · 4.125%
HK$54,556
baseline
▲ 0.50% · 4.625%
HK$57,431
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,112/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,819
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,679
−HK$1,891/mo
Today · 4.125%
HK$63,570
baseline
▲ 0.50% · 4.625%
HK$67,438
+HK$3,868/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$127,140/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,548
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,332
−HK$1,811/mo
Today · 4.125%
HK$70,143
baseline
▲ 0.50% · 4.625%
HK$73,840
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.12M · min. income ≈ HK$140,286/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,527 · Scale 2, in force from 26 Feb 2026)