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$33,449
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,489
−HK$1,057/mo
Today · 4.125%
HK$35,546
baseline
▲ 0.50% · 4.625%
HK$37,709
+HK$2,163/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,092/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,211
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,209
−HK$1,013/mo
Today · 4.125%
HK$39,222
baseline
▲ 0.50% · 4.625%
HK$41,289
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,444/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,139
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,387
−HK$1,269/mo
Today · 4.125%
HK$42,656
baseline
▲ 0.50% · 4.625%
HK$45,251
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,312/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,654
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,851
−HK$1,215/mo
Today · 4.125%
HK$47,066
baseline
▲ 0.50% · 4.625%
HK$49,547
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,132/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,828
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,285
−HK$1,480/mo
Today · 4.125%
HK$49,765
baseline
▲ 0.50% · 4.625%
HK$52,793
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,530/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,096
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,493
−HK$1,418/mo
Today · 4.125%
HK$54,911
baseline
▲ 0.50% · 4.625%
HK$57,805
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,822/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,208
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,081
−HK$1,902/mo
Today · 4.125%
HK$63,983
baseline
▲ 0.50% · 4.625%
HK$67,877
+HK$3,894/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,966/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,981
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,777
−HK$1,822/mo
Today · 4.125%
HK$70,599
baseline
▲ 0.50% · 4.625%
HK$74,321
+HK$3,722/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,198/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,083 · Scale 2, in force from 26 Feb 2026)