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$33,392
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,431
−HK$1,055/mo
Today · 4.125%
HK$35,486
baseline
▲ 0.50% · 4.625%
HK$37,645
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,972/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,148
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,145
−HK$1,010/mo
Today · 4.125%
HK$39,155
baseline
▲ 0.50% · 4.625%
HK$41,219
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,310/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,071
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,317
−HK$1,266/mo
Today · 4.125%
HK$42,583
baseline
▲ 0.50% · 4.625%
HK$45,174
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,166/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,578
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,774
−HK$1,213/mo
Today · 4.125%
HK$46,987
baseline
▲ 0.50% · 4.625%
HK$49,463
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,974/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,749
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,203
−HK$1,478/mo
Today · 4.125%
HK$49,681
baseline
▲ 0.50% · 4.625%
HK$52,703
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,362/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,008
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,403
−HK$1,415/mo
Today · 4.125%
HK$54,818
baseline
▲ 0.50% · 4.625%
HK$57,707
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,636/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,106
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,975
−HK$1,900/mo
Today · 4.125%
HK$63,875
baseline
▲ 0.50% · 4.625%
HK$67,762
+HK$3,887/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,750/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,867
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,660
−HK$1,820/mo
Today · 4.125%
HK$70,480
baseline
▲ 0.50% · 4.625%
HK$74,195
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,960/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,151 · Scale 2, in force from 26 Feb 2026)