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$33,360
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,398
−HK$1,054/mo
Today · 4.125%
HK$35,452
baseline
▲ 0.50% · 4.625%
HK$37,609
+HK$2,157/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,904/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,112
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,108
−HK$1,010/mo
Today · 4.125%
HK$39,118
baseline
▲ 0.50% · 4.625%
HK$41,179
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,236/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,032
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,277
−HK$1,265/mo
Today · 4.125%
HK$42,542
baseline
▲ 0.50% · 4.625%
HK$45,131
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,084/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,535
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,729
−HK$1,212/mo
Today · 4.125%
HK$46,941
baseline
▲ 0.50% · 4.625%
HK$49,415
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,882/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,704
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,157
−HK$1,476/mo
Today · 4.125%
HK$49,633
baseline
▲ 0.50% · 4.625%
HK$52,653
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,266/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,957
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,351
−HK$1,414/mo
Today · 4.125%
HK$54,765
baseline
▲ 0.50% · 4.625%
HK$57,651
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,530/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,048
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,916
−HK$1,897/mo
Today · 4.125%
HK$63,813
baseline
▲ 0.50% · 4.625%
HK$67,696
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,626/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,802
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,594
−HK$1,818/mo
Today · 4.125%
HK$70,412
baseline
▲ 0.50% · 4.625%
HK$74,123
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,824/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,620 · Scale 2, in force from 26 Feb 2026)