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$33,357
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,395
−HK$1,054/mo
Today · 4.125%
HK$35,449
baseline
▲ 0.50% · 4.625%
HK$37,606
+HK$2,157/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,898/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,110
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,105
−HK$1,010/mo
Today · 4.125%
HK$39,115
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,062/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,230/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,029
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,274
−HK$1,265/mo
Today · 4.125%
HK$42,539
baseline
▲ 0.50% · 4.625%
HK$45,128
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,078/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,532
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,726
−HK$1,212/mo
Today · 4.125%
HK$46,938
baseline
▲ 0.50% · 4.625%
HK$49,412
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,876/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,700
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,153
−HK$1,476/mo
Today · 4.125%
HK$49,629
baseline
▲ 0.50% · 4.625%
HK$52,649
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,258/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,954
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,347
−HK$1,414/mo
Today · 4.125%
HK$54,761
baseline
▲ 0.50% · 4.625%
HK$57,647
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,522/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,043
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,911
−HK$1,898/mo
Today · 4.125%
HK$63,809
baseline
▲ 0.50% · 4.625%
HK$67,691
+HK$3,882/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,618/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,798
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,589
−HK$1,818/mo
Today · 4.125%
HK$70,407
baseline
▲ 0.50% · 4.625%
HK$74,118
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,814/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,582 · Scale 2, in force from 26 Feb 2026)