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$33,204
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,237
−HK$1,049/mo
Today · 4.125%
HK$35,286
baseline
▲ 0.50% · 4.625%
HK$37,433
+HK$2,147/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,572/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,939
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,929
−HK$1,005/mo
Today · 4.125%
HK$38,934
baseline
▲ 0.50% · 4.625%
HK$40,987
+HK$2,053/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,868/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,844
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,084
−HK$1,259/mo
Today · 4.125%
HK$42,343
baseline
▲ 0.50% · 4.625%
HK$44,920
+HK$2,577/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$84,686/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,327
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,515
−HK$1,206/mo
Today · 4.125%
HK$46,721
baseline
▲ 0.50% · 4.625%
HK$49,184
+HK$2,463/mo
Deposit HK$5.82M · loan HK$8.74M · min. income ≈ HK$93,442/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,485
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,931
−HK$1,469/mo
Today · 4.125%
HK$49,400
baseline
▲ 0.50% · 4.625%
HK$52,406
+HK$3,006/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,800/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,714
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,101
−HK$1,407/mo
Today · 4.125%
HK$54,508
baseline
▲ 0.50% · 4.625%
HK$57,381
+HK$2,873/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$109,016/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$546,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,767
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,626
−HK$1,889/mo
Today · 4.125%
HK$63,515
baseline
▲ 0.50% · 4.625%
HK$67,379
+HK$3,864/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,030/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,490
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,273
−HK$1,809/mo
Today · 4.125%
HK$70,082
baseline
▲ 0.50% · 4.625%
HK$73,776
+HK$3,694/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,164/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,053 · Scale 2, in force from 26 Feb 2026)