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$33,348
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,385
−HK$1,054/mo
Today · 4.125%
HK$35,439
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$2,157/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,878/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,010/mo
Today · 4.125%
HK$39,104
baseline
▲ 0.50% · 4.625%
HK$41,165
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,208/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,018
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,262
−HK$1,265/mo
Today · 4.125%
HK$42,527
baseline
▲ 0.50% · 4.625%
HK$45,115
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,054/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,519
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,713
−HK$1,211/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,398
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,848/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,687
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,139
−HK$1,476/mo
Today · 4.125%
HK$49,615
baseline
▲ 0.50% · 4.625%
HK$52,634
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,230/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,939
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,332
−HK$1,413/mo
Today · 4.125%
HK$54,745
baseline
▲ 0.50% · 4.625%
HK$57,631
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,490/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,026
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,894
−HK$1,897/mo
Today · 4.125%
HK$63,791
baseline
▲ 0.50% · 4.625%
HK$67,672
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,582/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,779
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,570
−HK$1,817/mo
Today · 4.125%
HK$70,387
baseline
▲ 0.50% · 4.625%
HK$74,097
+HK$3,710/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,774/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,426 · Scale 2, in force from 26 Feb 2026)