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$33,359
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,396
−HK$1,054/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,608
+HK$2,158/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,111
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,106
−HK$1,010/mo
Today · 4.125%
HK$39,116
baseline
▲ 0.50% · 4.625%
HK$41,178
+HK$2,062/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,232/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,030
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,276
−HK$1,265/mo
Today · 4.125%
HK$42,541
baseline
▲ 0.50% · 4.625%
HK$45,129
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,082/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,533
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,728
−HK$1,211/mo
Today · 4.125%
HK$46,939
baseline
▲ 0.50% · 4.625%
HK$49,414
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,878/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,702
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,476/mo
Today · 4.125%
HK$49,631
baseline
▲ 0.50% · 4.625%
HK$52,651
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,262/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,956
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,349
−HK$1,414/mo
Today · 4.125%
HK$54,763
baseline
▲ 0.50% · 4.625%
HK$57,649
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,526/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,046
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,913
−HK$1,898/mo
Today · 4.125%
HK$63,811
baseline
▲ 0.50% · 4.625%
HK$67,694
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,622/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,800
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,592
−HK$1,817/mo
Today · 4.125%
HK$70,409
baseline
▲ 0.50% · 4.625%
HK$74,120
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,818/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,600 · Scale 2, in force from 26 Feb 2026)