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$33,354
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,391
−HK$1,054/mo
Today · 4.125%
HK$35,445
baseline
▲ 0.50% · 4.625%
HK$37,602
+HK$2,157/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,890/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,106
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,101
−HK$1,009/mo
Today · 4.125%
HK$39,110
baseline
▲ 0.50% · 4.625%
HK$41,172
+HK$2,062/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,220/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,024
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,269
−HK$1,265/mo
Today · 4.125%
HK$42,534
baseline
▲ 0.50% · 4.625%
HK$45,122
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,068/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,527
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,721
−HK$1,211/mo
Today · 4.125%
HK$46,932
baseline
▲ 0.50% · 4.625%
HK$49,406
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,864/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,695
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,148
−HK$1,475/mo
Today · 4.125%
HK$49,623
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,246/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,948
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,341
−HK$1,413/mo
Today · 4.125%
HK$54,754
baseline
▲ 0.50% · 4.625%
HK$57,641
+HK$2,887/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,508/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,036
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,904
−HK$1,897/mo
Today · 4.125%
HK$63,801
baseline
▲ 0.50% · 4.625%
HK$67,683
+HK$3,882/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,602/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,790
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,581
−HK$1,817/mo
Today · 4.125%
HK$70,398
baseline
▲ 0.50% · 4.625%
HK$74,109
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,796/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,518 · Scale 2, in force from 26 Feb 2026)