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$33,384
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,422
−HK$1,055/mo
Today · 4.125%
HK$35,477
baseline
▲ 0.50% · 4.625%
HK$37,636
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,954/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,139
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,135
−HK$1,011/mo
Today · 4.125%
HK$39,146
baseline
▲ 0.50% · 4.625%
HK$41,209
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,292/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,061
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,307
−HK$1,266/mo
Today · 4.125%
HK$42,573
baseline
▲ 0.50% · 4.625%
HK$45,163
+HK$2,590/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,146/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,567
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,762
−HK$1,213/mo
Today · 4.125%
HK$46,975
baseline
▲ 0.50% · 4.625%
HK$49,451
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,950/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,737
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,191
−HK$1,477/mo
Today · 4.125%
HK$49,668
baseline
▲ 0.50% · 4.625%
HK$52,690
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,336/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,995
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,389
−HK$1,415/mo
Today · 4.125%
HK$54,804
baseline
▲ 0.50% · 4.625%
HK$57,693
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,608/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,091
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,960
−HK$1,899/mo
Today · 4.125%
HK$63,859
baseline
▲ 0.50% · 4.625%
HK$67,745
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,718/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,851
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,643
−HK$1,819/mo
Today · 4.125%
HK$70,462
baseline
▲ 0.50% · 4.625%
HK$74,176
+HK$3,714/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,924/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,015 · Scale 2, in force from 26 Feb 2026)