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$33,708
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,756
−HK$1,065/mo
Today · 4.125%
HK$35,821
baseline
▲ 0.50% · 4.625%
HK$38,001
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,642/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,499
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,505
−HK$1,020/mo
Today · 4.125%
HK$39,525
baseline
▲ 0.50% · 4.625%
HK$41,609
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,050/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,449
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,707
−HK$1,279/mo
Today · 4.125%
HK$42,986
baseline
▲ 0.50% · 4.625%
HK$45,601
+HK$2,615/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,972/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,999
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,206
−HK$1,224/mo
Today · 4.125%
HK$47,430
baseline
▲ 0.50% · 4.625%
HK$49,931
+HK$2,501/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,860/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,191
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,659
−HK$1,491/mo
Today · 4.125%
HK$50,150
baseline
▲ 0.50% · 4.625%
HK$53,201
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,300/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,499
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,907
−HK$1,428/mo
Today · 4.125%
HK$55,335
baseline
▲ 0.50% · 4.625%
HK$58,252
+HK$2,917/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,670/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,674
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,561
−HK$1,917/mo
Today · 4.125%
HK$64,478
baseline
▲ 0.50% · 4.625%
HK$68,402
+HK$3,924/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,956/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,499
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,309
−HK$1,837/mo
Today · 4.125%
HK$71,146
baseline
▲ 0.50% · 4.625%
HK$74,896
+HK$3,750/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,292/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,339 · Scale 2, in force from 26 Feb 2026)