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$33,399
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$1,056/mo
Today · 4.125%
HK$35,494
baseline
▲ 0.50% · 4.625%
HK$37,653
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,988/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,156
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,153
−HK$1,011/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,228
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,328/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,079
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,326
−HK$1,267/mo
Today · 4.125%
HK$42,593
baseline
▲ 0.50% · 4.625%
HK$45,184
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,186/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,588
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,784
−HK$1,213/mo
Today · 4.125%
HK$46,997
baseline
▲ 0.50% · 4.625%
HK$49,474
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,994/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,759
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,214
−HK$1,477/mo
Today · 4.125%
HK$49,691
baseline
▲ 0.50% · 4.625%
HK$52,715
+HK$3,024/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,382/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,019
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,414
−HK$1,415/mo
Today · 4.125%
HK$54,829
baseline
▲ 0.50% · 4.625%
HK$57,720
+HK$2,891/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,658/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,119
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,989
−HK$1,900/mo
Today · 4.125%
HK$63,889
baseline
▲ 0.50% · 4.625%
HK$67,776
+HK$3,887/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,778/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,882
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,675
−HK$1,820/mo
Today · 4.125%
HK$70,495
baseline
▲ 0.50% · 4.625%
HK$74,211
+HK$3,716/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,990/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,270 · Scale 2, in force from 26 Feb 2026)