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$33,330
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,367
−HK$1,053/mo
Today · 4.125%
HK$35,420
baseline
▲ 0.50% · 4.625%
HK$37,575
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,840/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,079
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,074
−HK$1,008/mo
Today · 4.125%
HK$39,082
baseline
▲ 0.50% · 4.625%
HK$41,143
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,164/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,996
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,240
−HK$1,264/mo
Today · 4.125%
HK$42,504
baseline
▲ 0.50% · 4.625%
HK$45,090
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,008/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,495
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,688
−HK$1,211/mo
Today · 4.125%
HK$46,899
baseline
▲ 0.50% · 4.625%
HK$49,371
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,798/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,662
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,113
−HK$1,475/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$3,017/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,911
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,303
−HK$1,412/mo
Today · 4.125%
HK$54,715
baseline
▲ 0.50% · 4.625%
HK$57,600
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,430/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,994
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,860
−HK$1,896/mo
Today · 4.125%
HK$63,756
baseline
▲ 0.50% · 4.625%
HK$67,635
+HK$3,879/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,512/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,743
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,533
−HK$1,815/mo
Today · 4.125%
HK$70,348
baseline
▲ 0.50% · 4.625%
HK$74,057
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,696/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,129 · Scale 2, in force from 26 Feb 2026)