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$33,396
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$1,055/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,650
+HK$2,160/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,153
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,149
−HK$1,011/mo
Today · 4.125%
HK$39,160
baseline
▲ 0.50% · 4.625%
HK$41,224
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,320/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,075
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,322
−HK$1,266/mo
Today · 4.125%
HK$42,588
baseline
▲ 0.50% · 4.625%
HK$45,180
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,176/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,583
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,779
−HK$1,213/mo
Today · 4.125%
HK$46,992
baseline
▲ 0.50% · 4.625%
HK$49,469
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,984/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,754
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,477/mo
Today · 4.125%
HK$49,686
baseline
▲ 0.50% · 4.625%
HK$52,710
+HK$3,024/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,372/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,415/mo
Today · 4.125%
HK$54,824
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,648/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,113
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,983
−HK$1,899/mo
Today · 4.125%
HK$63,882
baseline
▲ 0.50% · 4.625%
HK$67,769
+HK$3,887/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,764/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,875
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,668
−HK$1,820/mo
Today · 4.125%
HK$70,488
baseline
▲ 0.50% · 4.625%
HK$74,203
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,976/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,214 · Scale 2, in force from 26 Feb 2026)