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$33,376
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$1,055/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,130
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,011/mo
Today · 4.125%
HK$39,137
baseline
▲ 0.50% · 4.625%
HK$41,199
+HK$2,062/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,274/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,051
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,266/mo
Today · 4.125%
HK$42,563
baseline
▲ 0.50% · 4.625%
HK$45,153
+HK$2,590/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,126/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,557
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,752
−HK$1,212/mo
Today · 4.125%
HK$46,964
baseline
▲ 0.50% · 4.625%
HK$49,439
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,928/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,726
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,180
−HK$1,477/mo
Today · 4.125%
HK$49,657
baseline
▲ 0.50% · 4.625%
HK$52,678
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,314/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,983
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,377
−HK$1,414/mo
Today · 4.125%
HK$54,791
baseline
▲ 0.50% · 4.625%
HK$57,679
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,582/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,077
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,946
−HK$1,898/mo
Today · 4.125%
HK$63,844
baseline
▲ 0.50% · 4.625%
HK$67,729
+HK$3,885/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,688/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,835
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,627
−HK$1,819/mo
Today · 4.125%
HK$70,446
baseline
▲ 0.50% · 4.625%
HK$74,159
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,892/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,886 · Scale 2, in force from 26 Feb 2026)