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$33,366
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,404
−HK$1,055/mo
Today · 4.125%
HK$35,459
baseline
▲ 0.50% · 4.625%
HK$37,616
+HK$2,157/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,918/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,115
−HK$1,010/mo
Today · 4.125%
HK$39,125
baseline
▲ 0.50% · 4.625%
HK$41,188
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,250/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,040
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,285
−HK$1,265/mo
Today · 4.125%
HK$42,550
baseline
▲ 0.50% · 4.625%
HK$45,140
+HK$2,590/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,100/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,544
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,738
−HK$1,212/mo
Today · 4.125%
HK$46,950
baseline
▲ 0.50% · 4.625%
HK$49,425
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,900/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,713
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,166
−HK$1,476/mo
Today · 4.125%
HK$49,642
baseline
▲ 0.50% · 4.625%
HK$52,663
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,284/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,968
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,361
−HK$1,414/mo
Today · 4.125%
HK$54,775
baseline
▲ 0.50% · 4.625%
HK$57,663
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,550/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,059
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,928
−HK$1,898/mo
Today · 4.125%
HK$63,826
baseline
▲ 0.50% · 4.625%
HK$67,709
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,652/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,816
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,607
−HK$1,818/mo
Today · 4.125%
HK$70,425
baseline
▲ 0.50% · 4.625%
HK$74,138
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,850/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,727 · Scale 2, in force from 26 Feb 2026)