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$33,397
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,436
−HK$1,056/mo
Today · 4.125%
HK$35,492
baseline
▲ 0.50% · 4.625%
HK$37,651
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,984/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,154
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,151
−HK$1,011/mo
Today · 4.125%
HK$39,162
baseline
▲ 0.50% · 4.625%
HK$41,226
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,324/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,077
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,324
−HK$1,266/mo
Today · 4.125%
HK$42,590
baseline
▲ 0.50% · 4.625%
HK$45,182
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,180/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,585
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,781
−HK$1,213/mo
Today · 4.125%
HK$46,994
baseline
▲ 0.50% · 4.625%
HK$49,471
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,988/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,756
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,211
−HK$1,478/mo
Today · 4.125%
HK$49,689
baseline
▲ 0.50% · 4.625%
HK$52,712
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,378/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,016
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,411
−HK$1,415/mo
Today · 4.125%
HK$54,826
baseline
▲ 0.50% · 4.625%
HK$57,716
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,652/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,115
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,985
−HK$1,900/mo
Today · 4.125%
HK$63,885
baseline
▲ 0.50% · 4.625%
HK$67,772
+HK$3,887/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,770/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,878
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,671
−HK$1,820/mo
Today · 4.125%
HK$70,491
baseline
▲ 0.50% · 4.625%
HK$74,207
+HK$3,716/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,982/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,239 · Scale 2, in force from 26 Feb 2026)