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$33,345
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,382
−HK$1,054/mo
Today · 4.125%
HK$35,436
baseline
▲ 0.50% · 4.625%
HK$37,592
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,872/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,096
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,091
−HK$1,009/mo
Today · 4.125%
HK$39,100
baseline
▲ 0.50% · 4.625%
HK$41,161
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,200/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,014
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,259
−HK$1,264/mo
Today · 4.125%
HK$42,523
baseline
▲ 0.50% · 4.625%
HK$45,111
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,046/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,515
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,709
−HK$1,211/mo
Today · 4.125%
HK$46,920
baseline
▲ 0.50% · 4.625%
HK$49,394
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,840/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,683
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,135
−HK$1,476/mo
Today · 4.125%
HK$49,611
baseline
▲ 0.50% · 4.625%
HK$52,629
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,222/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,935
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,327
−HK$1,413/mo
Today · 4.125%
HK$54,740
baseline
▲ 0.50% · 4.625%
HK$57,626
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,480/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,021
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,888
−HK$1,897/mo
Today · 4.125%
HK$63,785
baseline
▲ 0.50% · 4.625%
HK$67,666
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,570/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,773
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,564
−HK$1,817/mo
Today · 4.125%
HK$70,381
baseline
▲ 0.50% · 4.625%
HK$74,090
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,762/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,379 · Scale 2, in force from 26 Feb 2026)