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$33,334
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$1,054/mo
Today · 4.125%
HK$35,425
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,850/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,084
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,079
−HK$1,009/mo
Today · 4.125%
HK$39,088
baseline
▲ 0.50% · 4.625%
HK$41,148
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,176/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,001
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,245
−HK$1,265/mo
Today · 4.125%
HK$42,510
baseline
▲ 0.50% · 4.625%
HK$45,096
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,020/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,501
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,694
−HK$1,211/mo
Today · 4.125%
HK$46,905
baseline
▲ 0.50% · 4.625%
HK$49,378
+HK$2,473/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,810/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,668
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,120
−HK$1,474/mo
Today · 4.125%
HK$49,594
baseline
▲ 0.50% · 4.625%
HK$52,612
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,188/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,918
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,310
−HK$1,413/mo
Today · 4.125%
HK$54,723
baseline
▲ 0.50% · 4.625%
HK$57,607
+HK$2,884/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,446/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,002
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,868
−HK$1,896/mo
Today · 4.125%
HK$63,764
baseline
▲ 0.50% · 4.625%
HK$67,644
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,528/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,751
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,542
−HK$1,816/mo
Today · 4.125%
HK$70,358
baseline
▲ 0.50% · 4.625%
HK$74,066
+HK$3,708/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,716/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,200 · Scale 2, in force from 26 Feb 2026)