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$33,392
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,430
−HK$1,055/mo
Today · 4.125%
HK$35,485
baseline
▲ 0.50% · 4.625%
HK$37,645
+HK$2,160/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,970/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,148
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,144
−HK$1,011/mo
Today · 4.125%
HK$39,155
baseline
▲ 0.50% · 4.625%
HK$41,219
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,310/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,070
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,316
−HK$1,267/mo
Today · 4.125%
HK$42,583
baseline
▲ 0.50% · 4.625%
HK$45,174
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,166/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,577
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,773
−HK$1,213/mo
Today · 4.125%
HK$46,986
baseline
▲ 0.50% · 4.625%
HK$49,462
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,972/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,748
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,202
−HK$1,478/mo
Today · 4.125%
HK$49,680
baseline
▲ 0.50% · 4.625%
HK$52,703
+HK$3,023/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,360/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,007
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,402
−HK$1,415/mo
Today · 4.125%
HK$54,817
baseline
▲ 0.50% · 4.625%
HK$57,706
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,634/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,105
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,974
−HK$1,900/mo
Today · 4.125%
HK$63,874
baseline
▲ 0.50% · 4.625%
HK$67,760
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,748/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,866
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,659
−HK$1,819/mo
Today · 4.125%
HK$70,478
baseline
▲ 0.50% · 4.625%
HK$74,193
+HK$3,715/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,956/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,141 · Scale 2, in force from 26 Feb 2026)