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$33,357
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$1,054/mo
Today · 4.125%
HK$35,448
baseline
▲ 0.50% · 4.625%
HK$37,605
+HK$2,157/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,896/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,109
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,104
−HK$1,010/mo
Today · 4.125%
HK$39,114
baseline
▲ 0.50% · 4.625%
HK$41,176
+HK$2,062/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,228/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,028
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,273
−HK$1,265/mo
Today · 4.125%
HK$42,538
baseline
▲ 0.50% · 4.625%
HK$45,126
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,076/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,531
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,725
−HK$1,212/mo
Today · 4.125%
HK$46,937
baseline
▲ 0.50% · 4.625%
HK$49,411
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,874/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,699
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,152
−HK$1,476/mo
Today · 4.125%
HK$49,628
baseline
▲ 0.50% · 4.625%
HK$52,647
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,256/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,952
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,346
−HK$1,413/mo
Today · 4.125%
HK$54,759
baseline
▲ 0.50% · 4.625%
HK$57,646
+HK$2,887/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,518/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,042
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,910
−HK$1,897/mo
Today · 4.125%
HK$63,807
baseline
▲ 0.50% · 4.625%
HK$67,690
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,614/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,796
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,587
−HK$1,818/mo
Today · 4.125%
HK$70,405
baseline
▲ 0.50% · 4.625%
HK$74,116
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,810/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,567 · Scale 2, in force from 26 Feb 2026)