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$33,360
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,398
−HK$1,054/mo
Today · 4.125%
HK$35,452
baseline
▲ 0.50% · 4.625%
HK$37,610
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,904/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,113
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,109
−HK$1,009/mo
Today · 4.125%
HK$39,118
baseline
▲ 0.50% · 4.625%
HK$41,180
+HK$2,062/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,236/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,033
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,278
−HK$1,265/mo
Today · 4.125%
HK$42,543
baseline
▲ 0.50% · 4.625%
HK$45,132
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,086/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,536
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,730
−HK$1,212/mo
Today · 4.125%
HK$46,942
baseline
▲ 0.50% · 4.625%
HK$49,416
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,884/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,705
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,157
−HK$1,476/mo
Today · 4.125%
HK$49,633
baseline
▲ 0.50% · 4.625%
HK$52,653
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,266/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,958
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,352
−HK$1,414/mo
Today · 4.125%
HK$54,766
baseline
▲ 0.50% · 4.625%
HK$57,652
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,532/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,049
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,917
−HK$1,897/mo
Today · 4.125%
HK$63,814
baseline
▲ 0.50% · 4.625%
HK$67,697
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,628/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,804
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,595
−HK$1,818/mo
Today · 4.125%
HK$70,413
baseline
▲ 0.50% · 4.625%
HK$74,124
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,826/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,630 · Scale 2, in force from 26 Feb 2026)