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$33,712
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,761
−HK$1,065/mo
Today · 4.125%
HK$35,826
baseline
▲ 0.50% · 4.625%
HK$38,006
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,652/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,504
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,510
−HK$1,021/mo
Today · 4.125%
HK$39,531
baseline
▲ 0.50% · 4.625%
HK$41,614
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,062/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,455
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,713
−HK$1,278/mo
Today · 4.125%
HK$42,991
baseline
▲ 0.50% · 4.625%
HK$45,607
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,982/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,005
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,212
−HK$1,225/mo
Today · 4.125%
HK$47,437
baseline
▲ 0.50% · 4.625%
HK$49,937
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,874/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,197
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,665
−HK$1,492/mo
Today · 4.125%
HK$50,157
baseline
▲ 0.50% · 4.625%
HK$53,209
+HK$3,052/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,314/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,506
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,914
−HK$1,429/mo
Today · 4.125%
HK$55,343
baseline
▲ 0.50% · 4.625%
HK$58,260
+HK$2,917/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,686/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,682
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,569
−HK$1,918/mo
Today · 4.125%
HK$64,487
baseline
▲ 0.50% · 4.625%
HK$68,411
+HK$3,924/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$128,974/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,508
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,319
−HK$1,836/mo
Today · 4.125%
HK$71,155
baseline
▲ 0.50% · 4.625%
HK$74,906
+HK$3,751/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,310/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,415 · Scale 2, in force from 26 Feb 2026)