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$33,363
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,401
−HK$1,054/mo
Today · 4.125%
HK$35,455
baseline
▲ 0.50% · 4.625%
HK$37,613
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,910/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,116
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,112
−HK$1,010/mo
Today · 4.125%
HK$39,122
baseline
▲ 0.50% · 4.625%
HK$41,184
+HK$2,062/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,244/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,036
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,281
−HK$1,265/mo
Today · 4.125%
HK$42,546
baseline
▲ 0.50% · 4.625%
HK$45,135
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,092/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,540
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,734
−HK$1,212/mo
Today · 4.125%
HK$46,946
baseline
▲ 0.50% · 4.625%
HK$49,420
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,892/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,709
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,161
−HK$1,477/mo
Today · 4.125%
HK$49,638
baseline
▲ 0.50% · 4.625%
HK$52,658
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,276/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,963
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,356
−HK$1,414/mo
Today · 4.125%
HK$54,770
baseline
▲ 0.50% · 4.625%
HK$57,657
+HK$2,887/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,540/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,054
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,922
−HK$1,898/mo
Today · 4.125%
HK$63,820
baseline
▲ 0.50% · 4.625%
HK$67,703
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,640/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,809
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,601
−HK$1,818/mo
Today · 4.125%
HK$70,419
baseline
▲ 0.50% · 4.625%
HK$74,131
+HK$3,712/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,838/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,676 · Scale 2, in force from 26 Feb 2026)