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$33,374
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,412
−HK$1,055/mo
Today · 4.125%
HK$35,467
baseline
▲ 0.50% · 4.625%
HK$37,625
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,934/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,128
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,124
−HK$1,010/mo
Today · 4.125%
HK$39,134
baseline
▲ 0.50% · 4.625%
HK$41,197
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,268/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,049
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,294
−HK$1,266/mo
Today · 4.125%
HK$42,560
baseline
▲ 0.50% · 4.625%
HK$45,150
+HK$2,590/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,120/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,554
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,748
−HK$1,213/mo
Today · 4.125%
HK$46,961
baseline
▲ 0.50% · 4.625%
HK$49,436
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,922/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,723
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,177
−HK$1,476/mo
Today · 4.125%
HK$49,653
baseline
▲ 0.50% · 4.625%
HK$52,675
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,306/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,979
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,373
−HK$1,414/mo
Today · 4.125%
HK$54,787
baseline
▲ 0.50% · 4.625%
HK$57,675
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,574/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,073
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,941
−HK$1,899/mo
Today · 4.125%
HK$63,840
baseline
▲ 0.50% · 4.625%
HK$67,724
+HK$3,884/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,680/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,830
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,623
−HK$1,818/mo
Today · 4.125%
HK$70,441
baseline
▲ 0.50% · 4.625%
HK$74,154
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,882/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,850 · Scale 2, in force from 26 Feb 2026)