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$33,378
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,416
−HK$1,055/mo
Today · 4.125%
HK$35,471
baseline
▲ 0.50% · 4.625%
HK$37,629
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,942/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,133
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,129
−HK$1,010/mo
Today · 4.125%
HK$39,139
baseline
▲ 0.50% · 4.625%
HK$41,202
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,278/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,054
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,299
−HK$1,266/mo
Today · 4.125%
HK$42,565
baseline
▲ 0.50% · 4.625%
HK$45,155
+HK$2,590/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,130/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,559
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,213/mo
Today · 4.125%
HK$46,967
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,475/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,934/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,729
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,183
−HK$1,476/mo
Today · 4.125%
HK$49,659
baseline
▲ 0.50% · 4.625%
HK$52,681
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,318/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,986
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,380
−HK$1,414/mo
Today · 4.125%
HK$54,794
baseline
▲ 0.50% · 4.625%
HK$57,683
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,588/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,080
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,949
−HK$1,899/mo
Today · 4.125%
HK$63,848
baseline
▲ 0.50% · 4.625%
HK$67,733
+HK$3,885/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,696/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,839
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,631
−HK$1,819/mo
Today · 4.125%
HK$70,450
baseline
▲ 0.50% · 4.625%
HK$74,163
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,900/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,918 · Scale 2, in force from 26 Feb 2026)