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$33,394
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,433
−HK$1,056/mo
Today · 4.125%
HK$35,489
baseline
▲ 0.50% · 4.625%
HK$37,648
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,978/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,151
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,147
−HK$1,011/mo
Today · 4.125%
HK$39,158
baseline
▲ 0.50% · 4.625%
HK$41,222
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,316/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,266/mo
Today · 4.125%
HK$42,586
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,172/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,581
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,213/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,467
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,752
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,206
−HK$1,478/mo
Today · 4.125%
HK$49,684
baseline
▲ 0.50% · 4.625%
HK$52,707
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,368/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,011
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,406
−HK$1,415/mo
Today · 4.125%
HK$54,821
baseline
▲ 0.50% · 4.625%
HK$57,711
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,642/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,110
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,980
−HK$1,899/mo
Today · 4.125%
HK$63,879
baseline
▲ 0.50% · 4.625%
HK$67,766
+HK$3,887/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,758/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,872
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,665
−HK$1,820/mo
Today · 4.125%
HK$70,485
baseline
▲ 0.50% · 4.625%
HK$74,200
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,970/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,189 · Scale 2, in force from 26 Feb 2026)