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$33,366
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,403
−HK$1,055/mo
Today · 4.125%
HK$35,458
baseline
▲ 0.50% · 4.625%
HK$37,615
+HK$2,157/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,916/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,119
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,114
−HK$1,010/mo
Today · 4.125%
HK$39,124
baseline
▲ 0.50% · 4.625%
HK$41,187
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,248/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,039
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,284
−HK$1,265/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$45,138
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,543
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,737
−HK$1,212/mo
Today · 4.125%
HK$46,949
baseline
▲ 0.50% · 4.625%
HK$49,424
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,898/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,712
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,165
−HK$1,476/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,662
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,966
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,414/mo
Today · 4.125%
HK$54,774
baseline
▲ 0.50% · 4.625%
HK$57,661
+HK$2,887/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,548/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,058
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,926
−HK$1,898/mo
Today · 4.125%
HK$63,824
baseline
▲ 0.50% · 4.625%
HK$67,708
+HK$3,884/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,648/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,814
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,606
−HK$1,818/mo
Today · 4.125%
HK$70,424
baseline
▲ 0.50% · 4.625%
HK$74,136
+HK$3,712/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,848/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,714 · Scale 2, in force from 26 Feb 2026)