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$33,385
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,423
−HK$1,055/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,637
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,140
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,136
−HK$1,011/mo
Today · 4.125%
HK$39,147
baseline
▲ 0.50% · 4.625%
HK$41,210
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,294/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,062
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,308
−HK$1,266/mo
Today · 4.125%
HK$42,574
baseline
▲ 0.50% · 4.625%
HK$45,165
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,148/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,568
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,764
−HK$1,212/mo
Today · 4.125%
HK$46,976
baseline
▲ 0.50% · 4.625%
HK$49,452
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,952/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,739
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,193
−HK$1,477/mo
Today · 4.125%
HK$49,670
baseline
▲ 0.50% · 4.625%
HK$52,692
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,340/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,996
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,391
−HK$1,415/mo
Today · 4.125%
HK$54,806
baseline
▲ 0.50% · 4.625%
HK$57,695
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,612/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,093
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,962
−HK$1,899/mo
Today · 4.125%
HK$63,861
baseline
▲ 0.50% · 4.625%
HK$67,747
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,722/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,853
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,646
−HK$1,818/mo
Today · 4.125%
HK$70,464
baseline
▲ 0.50% · 4.625%
HK$74,179
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,928/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,032 · Scale 2, in force from 26 Feb 2026)