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$33,395
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$1,056/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,152
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,148
−HK$1,011/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,223
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,074
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,321
−HK$1,267/mo
Today · 4.125%
HK$42,588
baseline
▲ 0.50% · 4.625%
HK$45,179
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,176/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,582
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,778
−HK$1,213/mo
Today · 4.125%
HK$46,991
baseline
▲ 0.50% · 4.625%
HK$49,468
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,982/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,754
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,208
−HK$1,477/mo
Today · 4.125%
HK$49,685
baseline
▲ 0.50% · 4.625%
HK$52,709
+HK$3,024/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,370/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,013
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,408
−HK$1,415/mo
Today · 4.125%
HK$54,823
baseline
▲ 0.50% · 4.625%
HK$57,713
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,646/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,112
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,982
−HK$1,899/mo
Today · 4.125%
HK$63,881
baseline
▲ 0.50% · 4.625%
HK$67,768
+HK$3,887/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,762/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,874
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,667
−HK$1,820/mo
Today · 4.125%
HK$70,487
baseline
▲ 0.50% · 4.625%
HK$74,202
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,974/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,205 · Scale 2, in force from 26 Feb 2026)