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$33,333
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$1,053/mo
Today · 4.125%
HK$35,423
baseline
▲ 0.50% · 4.625%
HK$37,578
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,846/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,082
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,077
−HK$1,009/mo
Today · 4.125%
HK$39,086
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,172/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,999
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,243
−HK$1,265/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$45,094
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,499
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,692
−HK$1,211/mo
Today · 4.125%
HK$46,903
baseline
▲ 0.50% · 4.625%
HK$49,375
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,806/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,666
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,117
−HK$1,475/mo
Today · 4.125%
HK$49,592
baseline
▲ 0.50% · 4.625%
HK$52,610
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,184/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,915
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,308
−HK$1,412/mo
Today · 4.125%
HK$54,720
baseline
▲ 0.50% · 4.625%
HK$57,604
+HK$2,884/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,440/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,999
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,865
−HK$1,896/mo
Today · 4.125%
HK$63,761
baseline
▲ 0.50% · 4.625%
HK$67,641
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,522/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,748
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,538
−HK$1,816/mo
Today · 4.125%
HK$70,354
baseline
▲ 0.50% · 4.625%
HK$74,063
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,708/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,174 · Scale 2, in force from 26 Feb 2026)