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$33,405
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,444
−HK$1,055/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$2,161/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,162
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,159
−HK$1,011/mo
Today · 4.125%
HK$39,170
baseline
▲ 0.50% · 4.625%
HK$41,235
+HK$2,065/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,340/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,086
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,266/mo
Today · 4.125%
HK$42,599
baseline
▲ 0.50% · 4.625%
HK$45,191
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,198/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,595
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,791
−HK$1,213/mo
Today · 4.125%
HK$47,004
baseline
▲ 0.50% · 4.625%
HK$49,482
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,008/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,767
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,221
−HK$1,478/mo
Today · 4.125%
HK$49,699
baseline
▲ 0.50% · 4.625%
HK$52,723
+HK$3,024/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,398/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,027
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,423
−HK$1,415/mo
Today · 4.125%
HK$54,838
baseline
▲ 0.50% · 4.625%
HK$57,729
+HK$2,891/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,676/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,128
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,999
−HK$1,900/mo
Today · 4.125%
HK$63,899
baseline
▲ 0.50% · 4.625%
HK$67,787
+HK$3,888/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,798/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,892
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,686
−HK$1,820/mo
Today · 4.125%
HK$70,506
baseline
▲ 0.50% · 4.625%
HK$74,223
+HK$3,717/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$141,012/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,358 · Scale 2, in force from 26 Feb 2026)