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$33,399
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$1,055/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,653
+HK$2,160/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,156
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,153
−HK$1,010/mo
Today · 4.125%
HK$39,163
baseline
▲ 0.50% · 4.625%
HK$41,228
+HK$2,065/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,326/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,079
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,267/mo
Today · 4.125%
HK$42,592
baseline
▲ 0.50% · 4.625%
HK$45,184
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,184/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,587
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,783
−HK$1,213/mo
Today · 4.125%
HK$46,996
baseline
▲ 0.50% · 4.625%
HK$49,473
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,992/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,759
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,213
−HK$1,478/mo
Today · 4.125%
HK$49,691
baseline
▲ 0.50% · 4.625%
HK$52,714
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,382/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,018
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,414
−HK$1,415/mo
Today · 4.125%
HK$54,829
baseline
▲ 0.50% · 4.625%
HK$57,719
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,658/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,118
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,988
−HK$1,900/mo
Today · 4.125%
HK$63,888
baseline
▲ 0.50% · 4.625%
HK$67,776
+HK$3,888/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,776/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,881
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,675
−HK$1,819/mo
Today · 4.125%
HK$70,494
baseline
▲ 0.50% · 4.625%
HK$74,210
+HK$3,716/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,988/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,264 · Scale 2, in force from 26 Feb 2026)