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$33,388
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,426
−HK$1,056/mo
Today · 4.125%
HK$35,482
baseline
▲ 0.50% · 4.625%
HK$37,641
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,964/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,144
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,140
−HK$1,010/mo
Today · 4.125%
HK$39,150
baseline
▲ 0.50% · 4.625%
HK$41,214
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,300/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,065
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,312
−HK$1,266/mo
Today · 4.125%
HK$42,578
baseline
▲ 0.50% · 4.625%
HK$45,169
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,156/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,572
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,768
−HK$1,212/mo
Today · 4.125%
HK$46,980
baseline
▲ 0.50% · 4.625%
HK$49,457
+HK$2,477/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,960/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,743
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,197
−HK$1,477/mo
Today · 4.125%
HK$49,674
baseline
▲ 0.50% · 4.625%
HK$52,697
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,348/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,001
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,396
−HK$1,415/mo
Today · 4.125%
HK$54,811
baseline
▲ 0.50% · 4.625%
HK$57,700
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,622/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,098
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,967
−HK$1,900/mo
Today · 4.125%
HK$63,867
baseline
▲ 0.50% · 4.625%
HK$67,753
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,734/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,859
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,652
−HK$1,819/mo
Today · 4.125%
HK$70,471
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$3,714/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,942/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,081 · Scale 2, in force from 26 Feb 2026)