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$33,351
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$1,054/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$2,157/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,102
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,097
−HK$1,010/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,168
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,021
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,266
−HK$1,265/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$45,118
+HK$2,587/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,523
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,717
−HK$1,211/mo
Today · 4.125%
HK$46,928
baseline
▲ 0.50% · 4.625%
HK$49,402
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,856/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,691
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,143
−HK$1,476/mo
Today · 4.125%
HK$49,619
baseline
▲ 0.50% · 4.625%
HK$52,638
+HK$3,019/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,238/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,943
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,336
−HK$1,414/mo
Today · 4.125%
HK$54,750
baseline
▲ 0.50% · 4.625%
HK$57,636
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,500/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,031
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,899
−HK$1,897/mo
Today · 4.125%
HK$63,796
baseline
▲ 0.50% · 4.625%
HK$67,678
+HK$3,882/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,592/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,784
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,575
−HK$1,817/mo
Today · 4.125%
HK$70,392
baseline
▲ 0.50% · 4.625%
HK$74,103
+HK$3,711/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,784/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,471 · Scale 2, in force from 26 Feb 2026)