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$33,333
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$1,053/mo
Today · 4.125%
HK$35,423
baseline
▲ 0.50% · 4.625%
HK$37,579
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,846/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,077
−HK$1,009/mo
Today · 4.125%
HK$39,086
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,172/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,000
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,244
−HK$1,264/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$45,094
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,499
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,693
−HK$1,210/mo
Today · 4.125%
HK$46,903
baseline
▲ 0.50% · 4.625%
HK$49,376
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,806/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,666
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,118
−HK$1,475/mo
Today · 4.125%
HK$49,593
baseline
▲ 0.50% · 4.625%
HK$52,610
+HK$3,017/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,186/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,916
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,308
−HK$1,413/mo
Today · 4.125%
HK$54,721
baseline
▲ 0.50% · 4.625%
HK$57,605
+HK$2,884/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,442/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,999
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,866
−HK$1,896/mo
Today · 4.125%
HK$63,762
baseline
▲ 0.50% · 4.625%
HK$67,642
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,524/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,749
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,539
−HK$1,816/mo
Today · 4.125%
HK$70,355
baseline
▲ 0.50% · 4.625%
HK$74,063
+HK$3,708/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,710/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,179 · Scale 2, in force from 26 Feb 2026)