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$33,381
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,419
−HK$1,055/mo
Today · 4.125%
HK$35,474
baseline
▲ 0.50% · 4.625%
HK$37,633
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,948/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,136
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,132
−HK$1,010/mo
Today · 4.125%
HK$39,142
baseline
▲ 0.50% · 4.625%
HK$41,206
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,284/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,057
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,303
−HK$1,266/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$45,159
+HK$2,590/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,563
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,758
−HK$1,213/mo
Today · 4.125%
HK$46,971
baseline
▲ 0.50% · 4.625%
HK$49,447
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,942/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,733
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,187
−HK$1,477/mo
Today · 4.125%
HK$49,664
baseline
▲ 0.50% · 4.625%
HK$52,686
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,328/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,990
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,385
−HK$1,414/mo
Today · 4.125%
HK$54,799
baseline
▲ 0.50% · 4.625%
HK$57,688
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,598/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,086
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,955
−HK$1,899/mo
Today · 4.125%
HK$63,854
baseline
▲ 0.50% · 4.625%
HK$67,739
+HK$3,885/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,708/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,845
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,637
−HK$1,819/mo
Today · 4.125%
HK$70,456
baseline
▲ 0.50% · 4.625%
HK$74,170
+HK$3,714/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,912/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,967 · Scale 2, in force from 26 Feb 2026)