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$33,390
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,429
−HK$1,055/mo
Today · 4.125%
HK$35,484
baseline
▲ 0.50% · 4.625%
HK$37,643
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,968/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,147
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,143
−HK$1,010/mo
Today · 4.125%
HK$39,153
baseline
▲ 0.50% · 4.625%
HK$41,217
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,306/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,069
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,315
−HK$1,266/mo
Today · 4.125%
HK$42,581
baseline
▲ 0.50% · 4.625%
HK$45,172
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,162/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,576
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,771
−HK$1,213/mo
Today · 4.125%
HK$46,984
baseline
▲ 0.50% · 4.625%
HK$49,461
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,968/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,747
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,201
−HK$1,477/mo
Today · 4.125%
HK$49,678
baseline
▲ 0.50% · 4.625%
HK$52,701
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,356/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,005
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,400
−HK$1,415/mo
Today · 4.125%
HK$54,815
baseline
▲ 0.50% · 4.625%
HK$57,704
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,630/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,103
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,972
−HK$1,900/mo
Today · 4.125%
HK$63,872
baseline
▲ 0.50% · 4.625%
HK$67,758
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,744/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,864
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,657
−HK$1,819/mo
Today · 4.125%
HK$70,476
baseline
▲ 0.50% · 4.625%
HK$74,191
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,952/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,124 · Scale 2, in force from 26 Feb 2026)