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$33,381
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,419
−HK$1,055/mo
Today · 4.125%
HK$35,474
baseline
▲ 0.50% · 4.625%
HK$37,632
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,948/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,136
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,132
−HK$1,010/mo
Today · 4.125%
HK$39,142
baseline
▲ 0.50% · 4.625%
HK$41,205
+HK$2,063/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,284/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,057
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,303
−HK$1,266/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$45,159
+HK$2,590/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,563
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,758
−HK$1,212/mo
Today · 4.125%
HK$46,970
baseline
▲ 0.50% · 4.625%
HK$49,446
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.78M · min. income ≈ HK$93,940/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,733
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,186
−HK$1,477/mo
Today · 4.125%
HK$49,663
baseline
▲ 0.50% · 4.625%
HK$52,685
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,326/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,990
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,384
−HK$1,415/mo
Today · 4.125%
HK$54,799
baseline
▲ 0.50% · 4.625%
HK$57,687
+HK$2,888/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,598/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,085
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,954
−HK$1,899/mo
Today · 4.125%
HK$63,853
baseline
▲ 0.50% · 4.625%
HK$67,738
+HK$3,885/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,706/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,844
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,637
−HK$1,818/mo
Today · 4.125%
HK$70,455
baseline
▲ 0.50% · 4.625%
HK$74,169
+HK$3,714/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,910/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,961 · Scale 2, in force from 26 Feb 2026)