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$33,364
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,402
−HK$1,054/mo
Today · 4.125%
HK$35,456
baseline
▲ 0.50% · 4.625%
HK$37,614
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,912/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,117
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,112
−HK$1,010/mo
Today · 4.125%
HK$39,122
baseline
▲ 0.50% · 4.625%
HK$41,185
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,244/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,037
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,282
−HK$1,265/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$45,136
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,094/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,540
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,735
−HK$1,212/mo
Today · 4.125%
HK$46,947
baseline
▲ 0.50% · 4.625%
HK$49,421
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,894/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,709
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,162
−HK$1,477/mo
Today · 4.125%
HK$49,639
baseline
▲ 0.50% · 4.625%
HK$52,659
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,278/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,964
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,357
−HK$1,414/mo
Today · 4.125%
HK$54,771
baseline
▲ 0.50% · 4.625%
HK$57,658
+HK$2,887/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,542/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,055
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,923
−HK$1,898/mo
Today · 4.125%
HK$63,821
baseline
▲ 0.50% · 4.625%
HK$67,704
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,642/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,811
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,602
−HK$1,818/mo
Today · 4.125%
HK$70,420
baseline
▲ 0.50% · 4.625%
HK$74,132
+HK$3,712/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,840/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,687 · Scale 2, in force from 26 Feb 2026)