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$33,324
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,360
−HK$1,053/mo
Today · 4.125%
HK$35,413
baseline
▲ 0.50% · 4.625%
HK$37,568
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,826/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,072
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,066
−HK$1,009/mo
Today · 4.125%
HK$39,075
baseline
▲ 0.50% · 4.625%
HK$41,135
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,150/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,988
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,232
−HK$1,264/mo
Today · 4.125%
HK$42,496
baseline
▲ 0.50% · 4.625%
HK$45,082
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$84,992/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,487
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,680
−HK$1,210/mo
Today · 4.125%
HK$46,890
baseline
▲ 0.50% · 4.625%
HK$49,362
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,780/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$548,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,653
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,104
−HK$1,475/mo
Today · 4.125%
HK$49,579
baseline
▲ 0.50% · 4.625%
HK$52,595
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,158/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,901
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,293
−HK$1,412/mo
Today · 4.125%
HK$54,705
baseline
▲ 0.50% · 4.625%
HK$57,589
+HK$2,884/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,410/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,982
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,848
−HK$1,896/mo
Today · 4.125%
HK$63,744
baseline
▲ 0.50% · 4.625%
HK$67,623
+HK$3,879/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,488/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,730
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,520
−HK$1,815/mo
Today · 4.125%
HK$70,335
baseline
▲ 0.50% · 4.625%
HK$74,043
+HK$3,708/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,670/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,024 · Scale 2, in force from 26 Feb 2026)