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$33,385
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$1,055/mo
Today · 4.125%
HK$35,479
baseline
▲ 0.50% · 4.625%
HK$37,638
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,958/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,141
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,137
−HK$1,010/mo
Today · 4.125%
HK$39,147
baseline
▲ 0.50% · 4.625%
HK$41,211
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,294/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,062
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,309
−HK$1,266/mo
Today · 4.125%
HK$42,575
baseline
▲ 0.50% · 4.625%
HK$45,165
+HK$2,590/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,150/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,569
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,764
−HK$1,213/mo
Today · 4.125%
HK$46,977
baseline
▲ 0.50% · 4.625%
HK$49,453
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,954/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,739
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,193
−HK$1,477/mo
Today · 4.125%
HK$49,670
baseline
▲ 0.50% · 4.625%
HK$52,693
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,340/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,997
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,392
−HK$1,414/mo
Today · 4.125%
HK$54,806
baseline
▲ 0.50% · 4.625%
HK$57,695
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,612/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,094
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,963
−HK$1,899/mo
Today · 4.125%
HK$63,862
baseline
▲ 0.50% · 4.625%
HK$67,748
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,724/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,853
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,646
−HK$1,819/mo
Today · 4.125%
HK$70,465
baseline
▲ 0.50% · 4.625%
HK$74,180
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,930/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,039 · Scale 2, in force from 26 Feb 2026)