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$33,328
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,365
−HK$1,053/mo
Today · 4.125%
HK$35,418
baseline
▲ 0.50% · 4.625%
HK$37,573
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,836/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,077
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,072
−HK$1,008/mo
Today · 4.125%
HK$39,080
baseline
▲ 0.50% · 4.625%
HK$41,140
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,160/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,994
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,238
−HK$1,264/mo
Today · 4.125%
HK$42,502
baseline
▲ 0.50% · 4.625%
HK$45,088
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,004/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,493
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,686
−HK$1,210/mo
Today · 4.125%
HK$46,896
baseline
▲ 0.50% · 4.625%
HK$49,368
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,792/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,659
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,111
−HK$1,474/mo
Today · 4.125%
HK$49,585
baseline
▲ 0.50% · 4.625%
HK$52,602
+HK$3,017/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,170/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,908
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,300
−HK$1,413/mo
Today · 4.125%
HK$54,713
baseline
▲ 0.50% · 4.625%
HK$57,597
+HK$2,884/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,426/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,991
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,857
−HK$1,896/mo
Today · 4.125%
HK$63,753
baseline
▲ 0.50% · 4.625%
HK$67,632
+HK$3,879/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,506/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,739
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,529
−HK$1,816/mo
Today · 4.125%
HK$70,345
baseline
▲ 0.50% · 4.625%
HK$74,053
+HK$3,708/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,690/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,099 · Scale 2, in force from 26 Feb 2026)