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$33,376
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$1,055/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,130
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,010/mo
Today · 4.125%
HK$39,136
baseline
▲ 0.50% · 4.625%
HK$41,199
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,272/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,051
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,296
−HK$1,266/mo
Today · 4.125%
HK$42,562
baseline
▲ 0.50% · 4.625%
HK$45,152
+HK$2,590/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,124/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,556
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,751
−HK$1,212/mo
Today · 4.125%
HK$46,963
baseline
▲ 0.50% · 4.625%
HK$49,439
+HK$2,476/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,926/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,726
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,179
−HK$1,477/mo
Today · 4.125%
HK$49,656
baseline
▲ 0.50% · 4.625%
HK$52,677
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,312/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,982
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,376
−HK$1,414/mo
Today · 4.125%
HK$54,790
baseline
▲ 0.50% · 4.625%
HK$57,678
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,580/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,076
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,945
−HK$1,898/mo
Today · 4.125%
HK$63,843
baseline
▲ 0.50% · 4.625%
HK$67,728
+HK$3,885/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,686/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,834
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,626
−HK$1,819/mo
Today · 4.125%
HK$70,445
baseline
▲ 0.50% · 4.625%
HK$74,158
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,890/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,879 · Scale 2, in force from 26 Feb 2026)