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$33,326
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,362
−HK$1,054/mo
Today · 4.125%
HK$35,416
baseline
▲ 0.50% · 4.625%
HK$37,570
+HK$2,154/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,832/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,075
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,069
−HK$1,009/mo
Today · 4.125%
HK$39,078
baseline
▲ 0.50% · 4.625%
HK$41,137
+HK$2,059/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,156/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,991
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,235
−HK$1,264/mo
Today · 4.125%
HK$42,499
baseline
▲ 0.50% · 4.625%
HK$45,085
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$84,998/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,489
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,683
−HK$1,210/mo
Today · 4.125%
HK$46,893
baseline
▲ 0.50% · 4.625%
HK$49,365
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,786/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,656
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,107
−HK$1,475/mo
Today · 4.125%
HK$49,582
baseline
▲ 0.50% · 4.625%
HK$52,599
+HK$3,017/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,164/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,904
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,296
−HK$1,413/mo
Today · 4.125%
HK$54,709
baseline
▲ 0.50% · 4.625%
HK$57,592
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,418/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,986
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,852
−HK$1,896/mo
Today · 4.125%
HK$63,748
baseline
▲ 0.50% · 4.625%
HK$67,627
+HK$3,879/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,496/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,734
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,524
−HK$1,816/mo
Today · 4.125%
HK$70,340
baseline
▲ 0.50% · 4.625%
HK$74,047
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,680/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,059 · Scale 2, in force from 26 Feb 2026)