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$33,321
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,357
−HK$1,053/mo
Today · 4.125%
HK$35,410
baseline
▲ 0.50% · 4.625%
HK$37,565
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,820/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,069
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,063
−HK$1,009/mo
Today · 4.125%
HK$39,072
baseline
▲ 0.50% · 4.625%
HK$41,131
+HK$2,059/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,144/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,985
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,229
−HK$1,264/mo
Today · 4.125%
HK$42,493
baseline
▲ 0.50% · 4.625%
HK$45,078
+HK$2,585/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$84,986/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,483
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,676
−HK$1,210/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,649
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,100
−HK$1,475/mo
Today · 4.125%
HK$49,575
baseline
▲ 0.50% · 4.625%
HK$52,591
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,150/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,897
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,289
−HK$1,412/mo
Today · 4.125%
HK$54,701
baseline
▲ 0.50% · 4.625%
HK$57,584
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,402/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,978
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,843
−HK$1,896/mo
Today · 4.125%
HK$63,739
baseline
▲ 0.50% · 4.625%
HK$67,617
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,478/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,725
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,514
−HK$1,816/mo
Today · 4.125%
HK$70,330
baseline
▲ 0.50% · 4.625%
HK$74,037
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,660/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,981 · Scale 2, in force from 26 Feb 2026)