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$33,343
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,380
−HK$1,054/mo
Today · 4.125%
HK$35,434
baseline
▲ 0.50% · 4.625%
HK$37,590
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,868/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,094
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,088
−HK$1,010/mo
Today · 4.125%
HK$39,098
baseline
▲ 0.50% · 4.625%
HK$41,159
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,196/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,011
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,256
−HK$1,264/mo
Today · 4.125%
HK$42,520
baseline
▲ 0.50% · 4.625%
HK$45,108
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,040/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,512
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,706
−HK$1,211/mo
Today · 4.125%
HK$46,917
baseline
▲ 0.50% · 4.625%
HK$49,390
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,834/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,680
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,132
−HK$1,475/mo
Today · 4.125%
HK$49,607
baseline
▲ 0.50% · 4.625%
HK$52,626
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,214/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,931
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,324
−HK$1,413/mo
Today · 4.125%
HK$54,737
baseline
▲ 0.50% · 4.625%
HK$57,622
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,474/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,017
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,884
−HK$1,897/mo
Today · 4.125%
HK$63,781
baseline
▲ 0.50% · 4.625%
HK$67,662
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,562/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,768
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,559
−HK$1,817/mo
Today · 4.125%
HK$70,376
baseline
▲ 0.50% · 4.625%
HK$74,085
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,752/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,341 · Scale 2, in force from 26 Feb 2026)