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$33,330
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,367
−HK$1,054/mo
Today · 4.125%
HK$35,421
baseline
▲ 0.50% · 4.625%
HK$37,576
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,842/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,080
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,074
−HK$1,009/mo
Today · 4.125%
HK$39,083
baseline
▲ 0.50% · 4.625%
HK$41,143
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,166/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,997
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,241
−HK$1,264/mo
Today · 4.125%
HK$42,505
baseline
▲ 0.50% · 4.625%
HK$45,091
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,010/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,496
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,689
−HK$1,211/mo
Today · 4.125%
HK$46,900
baseline
▲ 0.50% · 4.625%
HK$49,372
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,800/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,663
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,114
−HK$1,475/mo
Today · 4.125%
HK$49,589
baseline
▲ 0.50% · 4.625%
HK$52,606
+HK$3,017/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,178/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,912
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,304
−HK$1,412/mo
Today · 4.125%
HK$54,716
baseline
▲ 0.50% · 4.625%
HK$57,601
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,432/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,995
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,861
−HK$1,896/mo
Today · 4.125%
HK$63,757
baseline
▲ 0.50% · 4.625%
HK$67,637
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,514/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,744
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,534
−HK$1,816/mo
Today · 4.125%
HK$70,350
baseline
▲ 0.50% · 4.625%
HK$74,058
+HK$3,708/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,700/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,137 · Scale 2, in force from 26 Feb 2026)