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$33,344
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,381
−HK$1,054/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,591
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,095
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,089
−HK$1,010/mo
Today · 4.125%
HK$39,099
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,061/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,198/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,013
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,257
−HK$1,265/mo
Today · 4.125%
HK$42,522
baseline
▲ 0.50% · 4.625%
HK$45,109
+HK$2,587/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,044/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,514
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,707
−HK$1,211/mo
Today · 4.125%
HK$46,918
baseline
▲ 0.50% · 4.625%
HK$49,392
+HK$2,474/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,836/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,681
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,133
−HK$1,476/mo
Today · 4.125%
HK$49,609
baseline
▲ 0.50% · 4.625%
HK$52,627
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$99,218/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,932
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,325
−HK$1,413/mo
Today · 4.125%
HK$54,738
baseline
▲ 0.50% · 4.625%
HK$57,624
+HK$2,886/mo
Deposit HK$4.39M · loan HK$10.24M · min. income ≈ HK$109,476/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$548,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,019
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,886
−HK$1,896/mo
Today · 4.125%
HK$63,782
baseline
▲ 0.50% · 4.625%
HK$67,663
+HK$3,881/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,564/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,770
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,561
−HK$1,817/mo
Today · 4.125%
HK$70,378
baseline
▲ 0.50% · 4.625%
HK$74,087
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,756/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,356 · Scale 2, in force from 26 Feb 2026)