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$33,373
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,411
−HK$1,054/mo
Today · 4.125%
HK$35,465
baseline
▲ 0.50% · 4.625%
HK$37,623
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,930/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,127
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,123
−HK$1,010/mo
Today · 4.125%
HK$39,133
baseline
▲ 0.50% · 4.625%
HK$41,195
+HK$2,062/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,266/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,047
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,293
−HK$1,266/mo
Today · 4.125%
HK$42,559
baseline
▲ 0.50% · 4.625%
HK$45,148
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,118/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,552
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,747
−HK$1,212/mo
Today · 4.125%
HK$46,959
baseline
▲ 0.50% · 4.625%
HK$49,434
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,918/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,722
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,175
−HK$1,477/mo
Today · 4.125%
HK$49,652
baseline
▲ 0.50% · 4.625%
HK$52,673
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,304/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,978
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,372
−HK$1,414/mo
Today · 4.125%
HK$54,786
baseline
▲ 0.50% · 4.625%
HK$57,674
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,572/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,071
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,939
−HK$1,899/mo
Today · 4.125%
HK$63,838
baseline
▲ 0.50% · 4.625%
HK$67,722
+HK$3,884/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,676/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,828
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,621
−HK$1,818/mo
Today · 4.125%
HK$70,439
baseline
▲ 0.50% · 4.625%
HK$74,152
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,878/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,832 · Scale 2, in force from 26 Feb 2026)