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$2,094/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$1,056/mo
Today · 4.125%
HK$35,491
baseline
▲ 0.50% · 4.625%
HK$37,650
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,982/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,153
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,150
−HK$1,011/mo
Today · 4.125%
HK$39,161
baseline
▲ 0.50% · 4.625%
HK$41,225
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,322/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,076
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,323
−HK$1,266/mo
Today · 4.125%
HK$42,589
baseline
▲ 0.50% · 4.625%
HK$45,181
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,178/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,584
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,780
−HK$1,213/mo
Today · 4.125%
HK$46,993
baseline
▲ 0.50% · 4.625%
HK$49,470
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,986/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,755
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,210
−HK$1,477/mo
Today · 4.125%
HK$49,687
baseline
▲ 0.50% · 4.625%
HK$52,711
+HK$3,024/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,374/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,015
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,410
−HK$1,415/mo
Today · 4.125%
HK$54,825
baseline
▲ 0.50% · 4.625%
HK$57,715
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,650/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,114
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,984
−HK$1,900/mo
Today · 4.125%
HK$63,884
baseline
▲ 0.50% · 4.625%
HK$67,771
+HK$3,887/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,768/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,876
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,670
−HK$1,819/mo
Today · 4.125%
HK$70,489
baseline
▲ 0.50% · 4.625%
HK$74,205
+HK$3,716/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,978/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,226 · Scale 2, in force from 26 Feb 2026)