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$33,351
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$1,054/mo
Today · 4.125%
HK$35,443
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,886/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,103
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,098
−HK$1,010/mo
Today · 4.125%
HK$39,108
baseline
▲ 0.50% · 4.625%
HK$41,169
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,216/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,022
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,266
−HK$1,265/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$45,119
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,524
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,718
−HK$1,211/mo
Today · 4.125%
HK$46,929
baseline
▲ 0.50% · 4.625%
HK$49,403
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,858/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,692
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,144
−HK$1,476/mo
Today · 4.125%
HK$49,620
baseline
▲ 0.50% · 4.625%
HK$52,639
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,240/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,944
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,337
−HK$1,414/mo
Today · 4.125%
HK$54,751
baseline
▲ 0.50% · 4.625%
HK$57,637
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,502/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,032
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,900
−HK$1,897/mo
Today · 4.125%
HK$63,797
baseline
▲ 0.50% · 4.625%
HK$67,679
+HK$3,882/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,594/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,785
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,577
−HK$1,817/mo
Today · 4.125%
HK$70,394
baseline
▲ 0.50% · 4.625%
HK$74,104
+HK$3,710/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,788/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,480 · Scale 2, in force from 26 Feb 2026)