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$33,393
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,432
−HK$1,055/mo
Today · 4.125%
HK$35,487
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,974/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,149
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,146
−HK$1,010/mo
Today · 4.125%
HK$39,156
baseline
▲ 0.50% · 4.625%
HK$41,220
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,312/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,072
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,318
−HK$1,266/mo
Today · 4.125%
HK$42,584
baseline
▲ 0.50% · 4.625%
HK$45,176
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,168/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,579
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,775
−HK$1,213/mo
Today · 4.125%
HK$46,988
baseline
▲ 0.50% · 4.625%
HK$49,464
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,976/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,750
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,204
−HK$1,478/mo
Today · 4.125%
HK$49,682
baseline
▲ 0.50% · 4.625%
HK$52,705
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,364/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,009
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,404
−HK$1,415/mo
Today · 4.125%
HK$54,819
baseline
▲ 0.50% · 4.625%
HK$57,708
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,638/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,107
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,977
−HK$1,900/mo
Today · 4.125%
HK$63,877
baseline
▲ 0.50% · 4.625%
HK$67,763
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,754/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,869
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,662
−HK$1,819/mo
Today · 4.125%
HK$70,481
baseline
▲ 0.50% · 4.625%
HK$74,197
+HK$3,716/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,962/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,164 · Scale 2, in force from 26 Feb 2026)