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$33,373
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,411
−HK$1,055/mo
Today · 4.125%
HK$35,466
baseline
▲ 0.50% · 4.625%
HK$37,624
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,932/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,127
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,123
−HK$1,010/mo
Today · 4.125%
HK$39,133
baseline
▲ 0.50% · 4.625%
HK$41,196
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,266/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,048
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,293
−HK$1,266/mo
Today · 4.125%
HK$42,559
baseline
▲ 0.50% · 4.625%
HK$45,149
+HK$2,590/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,118/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,553
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,748
−HK$1,212/mo
Today · 4.125%
HK$46,960
baseline
▲ 0.50% · 4.625%
HK$49,435
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,920/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,722
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,176
−HK$1,476/mo
Today · 4.125%
HK$49,652
baseline
▲ 0.50% · 4.625%
HK$52,673
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,304/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,978
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,372
−HK$1,414/mo
Today · 4.125%
HK$54,786
baseline
▲ 0.50% · 4.625%
HK$57,674
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,572/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,072
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,940
−HK$1,899/mo
Today · 4.125%
HK$63,839
baseline
▲ 0.50% · 4.625%
HK$67,723
+HK$3,884/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,678/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,829
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,621
−HK$1,819/mo
Today · 4.125%
HK$70,440
baseline
▲ 0.50% · 4.625%
HK$74,153
+HK$3,713/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,880/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,838 · Scale 2, in force from 26 Feb 2026)