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$33,340
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,377
−HK$1,053/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,586
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,090
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,085
−HK$1,009/mo
Today · 4.125%
HK$39,094
baseline
▲ 0.50% · 4.625%
HK$41,155
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,188/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,008
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,252
−HK$1,265/mo
Today · 4.125%
HK$42,517
baseline
▲ 0.50% · 4.625%
HK$45,104
+HK$2,587/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,034/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,508
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,702
−HK$1,211/mo
Today · 4.125%
HK$46,913
baseline
▲ 0.50% · 4.625%
HK$49,386
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,826/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,676
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,127
−HK$1,476/mo
Today · 4.125%
HK$49,603
baseline
▲ 0.50% · 4.625%
HK$52,621
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,206/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,926
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,319
−HK$1,413/mo
Today · 4.125%
HK$54,732
baseline
▲ 0.50% · 4.625%
HK$57,617
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,464/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,012
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,878
−HK$1,897/mo
Today · 4.125%
HK$63,775
baseline
▲ 0.50% · 4.625%
HK$67,655
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,550/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,762
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,553
−HK$1,816/mo
Today · 4.125%
HK$70,369
baseline
▲ 0.50% · 4.625%
HK$74,078
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,738/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,290 · Scale 2, in force from 26 Feb 2026)