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$33,386
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$1,055/mo
Today · 4.125%
HK$35,479
baseline
▲ 0.50% · 4.625%
HK$37,638
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,958/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,141
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,137
−HK$1,011/mo
Today · 4.125%
HK$39,148
baseline
▲ 0.50% · 4.625%
HK$41,211
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,296/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,063
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,309
−HK$1,266/mo
Today · 4.125%
HK$42,575
baseline
▲ 0.50% · 4.625%
HK$45,166
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,150/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,570
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,765
−HK$1,213/mo
Today · 4.125%
HK$46,978
baseline
▲ 0.50% · 4.625%
HK$49,454
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,956/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,740
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,194
−HK$1,477/mo
Today · 4.125%
HK$49,671
baseline
▲ 0.50% · 4.625%
HK$52,693
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,342/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,998
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,392
−HK$1,415/mo
Today · 4.125%
HK$54,807
baseline
▲ 0.50% · 4.625%
HK$57,696
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,614/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,094
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,964
−HK$1,899/mo
Today · 4.125%
HK$63,863
baseline
▲ 0.50% · 4.625%
HK$67,749
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,726/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,854
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,647
−HK$1,819/mo
Today · 4.125%
HK$70,466
baseline
▲ 0.50% · 4.625%
HK$74,181
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,932/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,047 · Scale 2, in force from 26 Feb 2026)