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$33,371
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,409
−HK$1,054/mo
Today · 4.125%
HK$35,463
baseline
▲ 0.50% · 4.625%
HK$37,621
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,926/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,124
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,120
−HK$1,010/mo
Today · 4.125%
HK$39,130
baseline
▲ 0.50% · 4.625%
HK$41,193
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,260/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,045
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,290
−HK$1,266/mo
Today · 4.125%
HK$42,556
baseline
▲ 0.50% · 4.625%
HK$45,145
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,112/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,549
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,744
−HK$1,212/mo
Today · 4.125%
HK$46,956
baseline
▲ 0.50% · 4.625%
HK$49,431
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,912/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,719
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,172
−HK$1,477/mo
Today · 4.125%
HK$49,649
baseline
▲ 0.50% · 4.625%
HK$52,670
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,298/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,974
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,368
−HK$1,414/mo
Today · 4.125%
HK$54,782
baseline
▲ 0.50% · 4.625%
HK$57,670
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,564/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,067
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,936
−HK$1,898/mo
Today · 4.125%
HK$63,834
baseline
▲ 0.50% · 4.625%
HK$67,718
+HK$3,884/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,668/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,824
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,616
−HK$1,818/mo
Today · 4.125%
HK$70,434
baseline
▲ 0.50% · 4.625%
HK$74,147
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,868/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,798 · Scale 2, in force from 26 Feb 2026)