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$33,341
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,378
−HK$1,053/mo
Today · 4.125%
HK$35,431
baseline
▲ 0.50% · 4.625%
HK$37,587
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,862/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,091
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,086
−HK$1,009/mo
Today · 4.125%
HK$39,095
baseline
▲ 0.50% · 4.625%
HK$41,156
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,190/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,009
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,253
−HK$1,265/mo
Today · 4.125%
HK$42,518
baseline
▲ 0.50% · 4.625%
HK$45,105
+HK$2,587/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,036/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,509
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,703
−HK$1,211/mo
Today · 4.125%
HK$46,914
baseline
▲ 0.50% · 4.625%
HK$49,387
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,828/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,677
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,129
−HK$1,475/mo
Today · 4.125%
HK$49,604
baseline
▲ 0.50% · 4.625%
HK$52,622
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,208/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,928
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,320
−HK$1,413/mo
Today · 4.125%
HK$54,733
baseline
▲ 0.50% · 4.625%
HK$57,618
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,466/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,013
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,880
−HK$1,897/mo
Today · 4.125%
HK$63,777
baseline
▲ 0.50% · 4.625%
HK$67,657
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,554/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,764
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,555
−HK$1,816/mo
Today · 4.125%
HK$70,371
baseline
▲ 0.50% · 4.625%
HK$74,080
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,742/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,305 · Scale 2, in force from 26 Feb 2026)