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$33,336
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,373
−HK$1,053/mo
Today · 4.125%
HK$35,426
baseline
▲ 0.50% · 4.625%
HK$37,582
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,852/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,086
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,081
−HK$1,009/mo
Today · 4.125%
HK$39,090
baseline
▲ 0.50% · 4.625%
HK$41,150
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,180/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,003
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,247
−HK$1,265/mo
Today · 4.125%
HK$42,512
baseline
▲ 0.50% · 4.625%
HK$45,098
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,024/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,503
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,697
−HK$1,210/mo
Today · 4.125%
HK$46,907
baseline
▲ 0.50% · 4.625%
HK$49,380
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,814/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,670
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,122
−HK$1,475/mo
Today · 4.125%
HK$49,597
baseline
▲ 0.50% · 4.625%
HK$52,615
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,194/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,920
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,313
−HK$1,412/mo
Today · 4.125%
HK$54,725
baseline
▲ 0.50% · 4.625%
HK$57,610
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,450/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,005
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,871
−HK$1,896/mo
Today · 4.125%
HK$63,767
baseline
▲ 0.50% · 4.625%
HK$67,648
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,534/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,755
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,545
−HK$1,816/mo
Today · 4.125%
HK$70,361
baseline
▲ 0.50% · 4.625%
HK$74,070
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,722/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,227 · Scale 2, in force from 26 Feb 2026)