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$33,339
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,376
−HK$1,053/mo
Today · 4.125%
HK$35,429
baseline
▲ 0.50% · 4.625%
HK$37,585
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,858/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,089
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,083
−HK$1,010/mo
Today · 4.125%
HK$39,093
baseline
▲ 0.50% · 4.625%
HK$41,153
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,186/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,006
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,251
−HK$1,264/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$45,102
+HK$2,587/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,507
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,700
−HK$1,211/mo
Today · 4.125%
HK$46,911
baseline
▲ 0.50% · 4.625%
HK$49,384
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,822/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,674
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,126
−HK$1,475/mo
Today · 4.125%
HK$49,601
baseline
▲ 0.50% · 4.625%
HK$52,619
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,202/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,924
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,317
−HK$1,413/mo
Today · 4.125%
HK$54,730
baseline
▲ 0.50% · 4.625%
HK$57,614
+HK$2,884/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,460/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,009
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,876
−HK$1,896/mo
Today · 4.125%
HK$63,772
baseline
▲ 0.50% · 4.625%
HK$67,653
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,544/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,760
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,550
−HK$1,817/mo
Today · 4.125%
HK$70,367
baseline
▲ 0.50% · 4.625%
HK$74,076
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,734/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,270 · Scale 2, in force from 26 Feb 2026)