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$33,365
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,403
−HK$1,055/mo
Today · 4.125%
HK$35,458
baseline
▲ 0.50% · 4.625%
HK$37,615
+HK$2,157/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,916/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,119
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,114
−HK$1,010/mo
Today · 4.125%
HK$39,124
baseline
▲ 0.50% · 4.625%
HK$41,186
+HK$2,062/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,248/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,038
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,284
−HK$1,265/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$45,138
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,542
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,737
−HK$1,212/mo
Today · 4.125%
HK$46,949
baseline
▲ 0.50% · 4.625%
HK$49,423
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,898/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,711
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,164
−HK$1,477/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,661
+HK$3,020/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,966
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,413/mo
Today · 4.125%
HK$54,773
baseline
▲ 0.50% · 4.625%
HK$57,661
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,546/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,057
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,926
−HK$1,898/mo
Today · 4.125%
HK$63,824
baseline
▲ 0.50% · 4.625%
HK$67,707
+HK$3,883/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,648/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,813
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,605
−HK$1,818/mo
Today · 4.125%
HK$70,423
baseline
▲ 0.50% · 4.625%
HK$74,135
+HK$3,712/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,846/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,710 · Scale 2, in force from 26 Feb 2026)