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$33,354
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,391
−HK$1,055/mo
Today · 4.125%
HK$35,446
baseline
▲ 0.50% · 4.625%
HK$37,602
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,892/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,106
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,101
−HK$1,010/mo
Today · 4.125%
HK$39,111
baseline
▲ 0.50% · 4.625%
HK$41,172
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,222/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,025
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,270
−HK$1,265/mo
Today · 4.125%
HK$42,535
baseline
▲ 0.50% · 4.625%
HK$45,123
+HK$2,588/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,070/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,527
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,721
−HK$1,212/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,407
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,696
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,148
−HK$1,476/mo
Today · 4.125%
HK$49,624
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,248/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,948
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,342
−HK$1,413/mo
Today · 4.125%
HK$54,755
baseline
▲ 0.50% · 4.625%
HK$57,641
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,510/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,037
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,905
−HK$1,897/mo
Today · 4.125%
HK$63,802
baseline
▲ 0.50% · 4.625%
HK$67,684
+HK$3,882/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,604/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,791
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,582
−HK$1,817/mo
Today · 4.125%
HK$70,399
baseline
▲ 0.50% · 4.625%
HK$74,110
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,798/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,524 · Scale 2, in force from 26 Feb 2026)