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$33,382
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,420
−HK$1,055/mo
Today · 4.125%
HK$35,475
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,950/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,137
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,133
−HK$1,010/mo
Today · 4.125%
HK$39,143
baseline
▲ 0.50% · 4.625%
HK$41,207
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,286/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,058
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,304
−HK$1,266/mo
Today · 4.125%
HK$42,570
baseline
▲ 0.50% · 4.625%
HK$45,160
+HK$2,590/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,140/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,564
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,759
−HK$1,213/mo
Today · 4.125%
HK$46,972
baseline
▲ 0.50% · 4.625%
HK$49,448
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,944/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,735
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,188
−HK$1,477/mo
Today · 4.125%
HK$49,665
baseline
▲ 0.50% · 4.625%
HK$52,687
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,330/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,992
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,386
−HK$1,415/mo
Today · 4.125%
HK$54,801
baseline
▲ 0.50% · 4.625%
HK$57,689
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,602/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,087
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,956
−HK$1,899/mo
Today · 4.125%
HK$63,855
baseline
▲ 0.50% · 4.625%
HK$67,741
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,710/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,846
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,639
−HK$1,819/mo
Today · 4.125%
HK$70,458
baseline
▲ 0.50% · 4.625%
HK$74,172
+HK$3,714/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,916/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,981 · Scale 2, in force from 26 Feb 2026)