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$33,400
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,439
−HK$1,056/mo
Today · 4.125%
HK$35,495
baseline
▲ 0.50% · 4.625%
HK$37,655
+HK$2,160/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,990/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,154
−HK$1,011/mo
Today · 4.125%
HK$39,165
baseline
▲ 0.50% · 4.625%
HK$41,229
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,330/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,080
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,267/mo
Today · 4.125%
HK$42,594
baseline
▲ 0.50% · 4.625%
HK$45,186
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,188/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,589
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,785
−HK$1,213/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,475
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,760
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,215
−HK$1,478/mo
Today · 4.125%
HK$49,693
baseline
▲ 0.50% · 4.625%
HK$52,716
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,386/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,021
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,416
−HK$1,415/mo
Today · 4.125%
HK$54,831
baseline
▲ 0.50% · 4.625%
HK$57,721
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,662/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,121
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,991
−HK$1,900/mo
Today · 4.125%
HK$63,891
baseline
▲ 0.50% · 4.625%
HK$67,778
+HK$3,887/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,782/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,884
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,677
−HK$1,820/mo
Today · 4.125%
HK$70,497
baseline
▲ 0.50% · 4.625%
HK$74,213
+HK$3,716/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,994/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,286 · Scale 2, in force from 26 Feb 2026)