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$33,352
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,390
−HK$1,054/mo
Today · 4.125%
HK$35,444
baseline
▲ 0.50% · 4.625%
HK$37,600
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,888/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,104
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,099
−HK$1,010/mo
Today · 4.125%
HK$39,109
baseline
▲ 0.50% · 4.625%
HK$41,170
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,218/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,023
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,268
−HK$1,265/mo
Today · 4.125%
HK$42,533
baseline
▲ 0.50% · 4.625%
HK$45,121
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,066/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,525
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,719
−HK$1,211/mo
Today · 4.125%
HK$46,930
baseline
▲ 0.50% · 4.625%
HK$49,404
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,860/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,693
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,146
−HK$1,475/mo
Today · 4.125%
HK$49,621
baseline
▲ 0.50% · 4.625%
HK$52,641
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,242/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,946
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,339
−HK$1,413/mo
Today · 4.125%
HK$54,752
baseline
▲ 0.50% · 4.625%
HK$57,638
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,504/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,034
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,902
−HK$1,897/mo
Today · 4.125%
HK$63,799
baseline
▲ 0.50% · 4.625%
HK$67,681
+HK$3,882/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,598/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,787
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,579
−HK$1,817/mo
Today · 4.125%
HK$70,396
baseline
▲ 0.50% · 4.625%
HK$74,106
+HK$3,710/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,792/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,497 · Scale 2, in force from 26 Feb 2026)