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$33,401
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$1,056/mo
Today · 4.125%
HK$35,496
baseline
▲ 0.50% · 4.625%
HK$37,655
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,992/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,155
−HK$1,011/mo
Today · 4.125%
HK$39,166
baseline
▲ 0.50% · 4.625%
HK$41,230
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,332/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,081
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,328
−HK$1,267/mo
Today · 4.125%
HK$42,595
baseline
▲ 0.50% · 4.625%
HK$45,186
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,190/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,590
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,786
−HK$1,213/mo
Today · 4.125%
HK$46,999
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,998/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,761
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,216
−HK$1,478/mo
Today · 4.125%
HK$49,694
baseline
▲ 0.50% · 4.625%
HK$52,717
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,388/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,022
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,417
−HK$1,415/mo
Today · 4.125%
HK$54,832
baseline
▲ 0.50% · 4.625%
HK$57,722
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,664/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,122
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,992
−HK$1,900/mo
Today · 4.125%
HK$63,892
baseline
▲ 0.50% · 4.625%
HK$67,780
+HK$3,888/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,784/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,885
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,679
−HK$1,819/mo
Today · 4.125%
HK$70,498
baseline
▲ 0.50% · 4.625%
HK$74,215
+HK$3,717/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,996/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,297 · Scale 2, in force from 26 Feb 2026)