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$33,350
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,387
−HK$1,054/mo
Today · 4.125%
HK$35,441
baseline
▲ 0.50% · 4.625%
HK$37,597
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,882/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,101
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,096
−HK$1,010/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,167
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,212/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,020
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,264
−HK$1,265/mo
Today · 4.125%
HK$42,529
baseline
▲ 0.50% · 4.625%
HK$45,117
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,058/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,521
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,715
−HK$1,212/mo
Today · 4.125%
HK$46,927
baseline
▲ 0.50% · 4.625%
HK$49,400
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,854/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,689
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,142
−HK$1,475/mo
Today · 4.125%
HK$49,617
baseline
▲ 0.50% · 4.625%
HK$52,636
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,234/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,942
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,335
−HK$1,413/mo
Today · 4.125%
HK$54,748
baseline
▲ 0.50% · 4.625%
HK$57,634
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,496/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,029
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,897
−HK$1,897/mo
Today · 4.125%
HK$63,794
baseline
▲ 0.50% · 4.625%
HK$67,675
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,588/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,782
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,573
−HK$1,817/mo
Today · 4.125%
HK$70,390
baseline
▲ 0.50% · 4.625%
HK$74,100
+HK$3,710/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,780/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,452 · Scale 2, in force from 26 Feb 2026)