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$33,334
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$1,054/mo
Today · 4.125%
HK$35,425
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,850/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,084
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,009/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,148
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,001
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,245
−HK$1,264/mo
Today · 4.125%
HK$42,509
baseline
▲ 0.50% · 4.625%
HK$45,096
+HK$2,587/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,018/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,501
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,694
−HK$1,211/mo
Today · 4.125%
HK$46,905
baseline
▲ 0.50% · 4.625%
HK$49,377
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,810/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,668
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,119
−HK$1,475/mo
Today · 4.125%
HK$49,594
baseline
▲ 0.50% · 4.625%
HK$52,612
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,188/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,917
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,310
−HK$1,412/mo
Today · 4.125%
HK$54,722
baseline
▲ 0.50% · 4.625%
HK$57,607
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,444/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,002
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,868
−HK$1,896/mo
Today · 4.125%
HK$63,764
baseline
▲ 0.50% · 4.625%
HK$67,644
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,528/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,751
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,541
−HK$1,816/mo
Today · 4.125%
HK$70,357
baseline
▲ 0.50% · 4.625%
HK$74,066
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,714/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,198 · Scale 2, in force from 26 Feb 2026)