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$33,346
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,383
−HK$1,054/mo
Today · 4.125%
HK$35,437
baseline
▲ 0.50% · 4.625%
HK$37,593
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,874/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,097
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,009/mo
Today · 4.125%
HK$39,101
baseline
▲ 0.50% · 4.625%
HK$41,162
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,202/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,015
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,259
−HK$1,265/mo
Today · 4.125%
HK$42,524
baseline
▲ 0.50% · 4.625%
HK$45,111
+HK$2,587/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,048/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,516
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,710
−HK$1,211/mo
Today · 4.125%
HK$46,921
baseline
▲ 0.50% · 4.625%
HK$49,394
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,842/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,684
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,136
−HK$1,475/mo
Today · 4.125%
HK$49,611
baseline
▲ 0.50% · 4.625%
HK$52,630
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,222/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,935
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,328
−HK$1,413/mo
Today · 4.125%
HK$54,741
baseline
▲ 0.50% · 4.625%
HK$57,627
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,482/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,022
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,889
−HK$1,897/mo
Today · 4.125%
HK$63,786
baseline
▲ 0.50% · 4.625%
HK$67,667
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,572/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,774
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,565
−HK$1,817/mo
Today · 4.125%
HK$70,382
baseline
▲ 0.50% · 4.625%
HK$74,091
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,764/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,386 · Scale 2, in force from 26 Feb 2026)