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$33,375
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,413
−HK$1,055/mo
Today · 4.125%
HK$35,468
baseline
▲ 0.50% · 4.625%
HK$37,626
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,936/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,129
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,125
−HK$1,010/mo
Today · 4.125%
HK$39,135
baseline
▲ 0.50% · 4.625%
HK$41,198
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,270/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,050
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,296
−HK$1,265/mo
Today · 4.125%
HK$42,561
baseline
▲ 0.50% · 4.625%
HK$45,151
+HK$2,590/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,122/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,555
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,750
−HK$1,212/mo
Today · 4.125%
HK$46,962
baseline
▲ 0.50% · 4.625%
HK$49,438
+HK$2,476/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,924/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,725
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,178
−HK$1,477/mo
Today · 4.125%
HK$49,655
baseline
▲ 0.50% · 4.625%
HK$52,676
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,310/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,981
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,375
−HK$1,414/mo
Today · 4.125%
HK$54,789
baseline
▲ 0.50% · 4.625%
HK$57,677
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,578/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,075
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,944
−HK$1,898/mo
Today · 4.125%
HK$63,842
baseline
▲ 0.50% · 4.625%
HK$67,727
+HK$3,885/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,684/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,833
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,625
−HK$1,819/mo
Today · 4.125%
HK$70,444
baseline
▲ 0.50% · 4.625%
HK$74,157
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,888/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,870 · Scale 2, in force from 26 Feb 2026)