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$33,367
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,405
−HK$1,054/mo
Today · 4.125%
HK$35,459
baseline
▲ 0.50% · 4.625%
HK$37,617
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,918/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,116
−HK$1,010/mo
Today · 4.125%
HK$39,126
baseline
▲ 0.50% · 4.625%
HK$41,188
+HK$2,062/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,252/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,040
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,286
−HK$1,265/mo
Today · 4.125%
HK$42,551
baseline
▲ 0.50% · 4.625%
HK$45,140
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,102/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,544
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,739
−HK$1,212/mo
Today · 4.125%
HK$46,951
baseline
▲ 0.50% · 4.625%
HK$49,426
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,902/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,713
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,167
−HK$1,476/mo
Today · 4.125%
HK$49,643
baseline
▲ 0.50% · 4.625%
HK$52,663
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,286/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,968
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,362
−HK$1,414/mo
Today · 4.125%
HK$54,776
baseline
▲ 0.50% · 4.625%
HK$57,663
+HK$2,887/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,552/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,060
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,928
−HK$1,899/mo
Today · 4.125%
HK$63,827
baseline
▲ 0.50% · 4.625%
HK$67,710
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,654/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,816
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,608
−HK$1,818/mo
Today · 4.125%
HK$70,426
baseline
▲ 0.50% · 4.625%
HK$74,139
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,852/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,735 · Scale 2, in force from 26 Feb 2026)