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$33,356
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,393
−HK$1,054/mo
Today · 4.125%
HK$35,447
baseline
▲ 0.50% · 4.625%
HK$37,604
+HK$2,157/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,894/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,108
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,103
−HK$1,010/mo
Today · 4.125%
HK$39,113
baseline
▲ 0.50% · 4.625%
HK$41,174
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,226/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,027
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,272
−HK$1,265/mo
Today · 4.125%
HK$42,537
baseline
▲ 0.50% · 4.625%
HK$45,125
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,074/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,529
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,724
−HK$1,211/mo
Today · 4.125%
HK$46,935
baseline
▲ 0.50% · 4.625%
HK$49,409
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,870/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,698
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,150
−HK$1,476/mo
Today · 4.125%
HK$49,626
baseline
▲ 0.50% · 4.625%
HK$52,646
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,252/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,951
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,344
−HK$1,414/mo
Today · 4.125%
HK$54,758
baseline
▲ 0.50% · 4.625%
HK$57,644
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,516/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,040
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,908
−HK$1,897/mo
Today · 4.125%
HK$63,805
baseline
▲ 0.50% · 4.625%
HK$67,688
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,610/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,794
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,585
−HK$1,818/mo
Today · 4.125%
HK$70,403
baseline
▲ 0.50% · 4.625%
HK$74,114
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,806/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,551 · Scale 2, in force from 26 Feb 2026)