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$33,368
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,406
−HK$1,055/mo
Today · 4.125%
HK$35,461
baseline
▲ 0.50% · 4.625%
HK$37,619
+HK$2,158/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,922/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,122
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,118
−HK$1,010/mo
Today · 4.125%
HK$39,128
baseline
▲ 0.50% · 4.625%
HK$41,190
+HK$2,062/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,256/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$548,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,042
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,288
−HK$1,265/mo
Today · 4.125%
HK$42,553
baseline
▲ 0.50% · 4.625%
HK$45,142
+HK$2,589/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$85,106/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,546
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,741
−HK$1,212/mo
Today · 4.125%
HK$46,953
baseline
▲ 0.50% · 4.625%
HK$49,428
+HK$2,475/mo
Deposit HK$5.85M · loan HK$8.78M · min. income ≈ HK$93,906/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,716
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,169
−HK$1,476/mo
Today · 4.125%
HK$49,645
baseline
▲ 0.50% · 4.625%
HK$52,666
+HK$3,021/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,290/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,971
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,365
−HK$1,414/mo
Today · 4.125%
HK$54,779
baseline
▲ 0.50% · 4.625%
HK$57,666
+HK$2,887/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,558/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,063
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,931
−HK$1,898/mo
Today · 4.125%
HK$63,829
baseline
▲ 0.50% · 4.625%
HK$67,713
+HK$3,884/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$127,658/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,819
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,612
−HK$1,818/mo
Today · 4.125%
HK$70,430
baseline
▲ 0.50% · 4.625%
HK$74,142
+HK$3,712/mo
Deposit HK$1.46M · loan HK$13.17M · min. income ≈ HK$140,860/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,760 · Scale 2, in force from 26 Feb 2026)