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$33,380
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,418
−HK$1,055/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,134
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,130
−HK$1,011/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,204
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,055
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,301
−HK$1,266/mo
Today · 4.125%
HK$42,567
baseline
▲ 0.50% · 4.625%
HK$45,157
+HK$2,590/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,134/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,561
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,756
−HK$1,213/mo
Today · 4.125%
HK$46,969
baseline
▲ 0.50% · 4.625%
HK$49,445
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,938/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,731
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,185
−HK$1,477/mo
Today · 4.125%
HK$49,662
baseline
▲ 0.50% · 4.625%
HK$52,684
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,324/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,988
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,382
−HK$1,415/mo
Today · 4.125%
HK$54,797
baseline
▲ 0.50% · 4.625%
HK$57,685
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,594/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,083
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,952
−HK$1,899/mo
Today · 4.125%
HK$63,851
baseline
▲ 0.50% · 4.625%
HK$67,736
+HK$3,885/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,702/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,842
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,635
−HK$1,818/mo
Today · 4.125%
HK$70,453
baseline
▲ 0.50% · 4.625%
HK$74,167
+HK$3,714/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,906/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,945 · Scale 2, in force from 26 Feb 2026)