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$33,342
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,379
−HK$1,053/mo
Today · 4.125%
HK$35,432
baseline
▲ 0.50% · 4.625%
HK$37,588
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,864/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,092
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,087
−HK$1,009/mo
Today · 4.125%
HK$39,096
baseline
▲ 0.50% · 4.625%
HK$41,157
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,192/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,010
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,254
−HK$1,265/mo
Today · 4.125%
HK$42,519
baseline
▲ 0.50% · 4.625%
HK$45,106
+HK$2,587/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,038/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,511
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,704
−HK$1,211/mo
Today · 4.125%
HK$46,915
baseline
▲ 0.50% · 4.625%
HK$49,388
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,830/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,678
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,130
−HK$1,475/mo
Today · 4.125%
HK$49,605
baseline
▲ 0.50% · 4.625%
HK$52,624
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,210/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,929
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,322
−HK$1,413/mo
Today · 4.125%
HK$54,735
baseline
▲ 0.50% · 4.625%
HK$57,620
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,470/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,015
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,882
−HK$1,896/mo
Today · 4.125%
HK$63,778
baseline
▲ 0.50% · 4.625%
HK$67,659
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,556/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,766
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,557
−HK$1,816/mo
Today · 4.125%
HK$70,373
baseline
▲ 0.50% · 4.625%
HK$74,083
+HK$3,710/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,746/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,320 · Scale 2, in force from 26 Feb 2026)