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$33,324
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,361
−HK$1,053/mo
Today · 4.125%
HK$35,414
baseline
▲ 0.50% · 4.625%
HK$37,569
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,828/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,073
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,067
−HK$1,008/mo
Today · 4.125%
HK$39,075
baseline
▲ 0.50% · 4.625%
HK$41,135
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,150/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,989
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,233
−HK$1,263/mo
Today · 4.125%
HK$42,496
baseline
▲ 0.50% · 4.625%
HK$45,082
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$84,992/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,487
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,680
−HK$1,211/mo
Today · 4.125%
HK$46,891
baseline
▲ 0.50% · 4.625%
HK$49,362
+HK$2,471/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,782/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,654
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,105
−HK$1,474/mo
Today · 4.125%
HK$49,579
baseline
▲ 0.50% · 4.625%
HK$52,596
+HK$3,017/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,158/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,902
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,294
−HK$1,412/mo
Today · 4.125%
HK$54,706
baseline
▲ 0.50% · 4.625%
HK$57,589
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,412/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,983
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,849
−HK$1,896/mo
Today · 4.125%
HK$63,745
baseline
▲ 0.50% · 4.625%
HK$67,623
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,490/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,731
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,520
−HK$1,816/mo
Today · 4.125%
HK$70,336
baseline
▲ 0.50% · 4.625%
HK$74,043
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,672/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,030 · Scale 2, in force from 26 Feb 2026)