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$37,595
+HK$2,156/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$548,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,009/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,164
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,017
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,262
−HK$1,264/mo
Today · 4.125%
HK$42,526
baseline
▲ 0.50% · 4.625%
HK$45,114
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,052/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,418 · 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$49,397
+HK$2,473/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$548,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,687
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,139
−HK$1,475/mo
Today · 4.125%
HK$49,614
baseline
▲ 0.50% · 4.625%
HK$52,633
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,228/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,938
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,331
−HK$1,413/mo
Today · 4.125%
HK$54,744
baseline
▲ 0.50% · 4.625%
HK$57,630
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,488/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,026
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,893
−HK$1,897/mo
Today · 4.125%
HK$63,790
baseline
▲ 0.50% · 4.625%
HK$67,671
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,580/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,778
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,569
−HK$1,817/mo
Today · 4.125%
HK$70,386
baseline
▲ 0.50% · 4.625%
HK$74,096
+HK$3,710/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,772/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,418 · Scale 2, in force from 26 Feb 2026)