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$33,335
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,372
−HK$1,054/mo
Today · 4.125%
HK$35,426
baseline
▲ 0.50% · 4.625%
HK$37,581
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,852/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,085
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,080
−HK$1,009/mo
Today · 4.125%
HK$39,089
baseline
▲ 0.50% · 4.625%
HK$41,149
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,178/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,002
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,246
−HK$1,265/mo
Today · 4.125%
HK$42,511
baseline
▲ 0.50% · 4.625%
HK$45,097
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,022/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,502
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,696
−HK$1,210/mo
Today · 4.125%
HK$46,906
baseline
▲ 0.50% · 4.625%
HK$49,379
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,812/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,669
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,121
−HK$1,475/mo
Today · 4.125%
HK$49,596
baseline
▲ 0.50% · 4.625%
HK$52,614
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,192/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,919
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,312
−HK$1,412/mo
Today · 4.125%
HK$54,724
baseline
▲ 0.50% · 4.625%
HK$57,609
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,448/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,003
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,870
−HK$1,896/mo
Today · 4.125%
HK$63,766
baseline
▲ 0.50% · 4.625%
HK$67,646
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,532/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,753
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,543
−HK$1,817/mo
Today · 4.125%
HK$70,360
baseline
▲ 0.50% · 4.625%
HK$74,068
+HK$3,708/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,720/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,215 · Scale 2, in force from 26 Feb 2026)