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$33,550
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,593
−HK$1,060/mo
Today · 4.125%
HK$35,653
baseline
▲ 0.50% · 4.625%
HK$37,823
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,306/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,324
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,325
−HK$1,015/mo
Today · 4.125%
HK$39,340
baseline
▲ 0.50% · 4.625%
HK$41,414
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,680/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,259
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,512
−HK$1,272/mo
Today · 4.125%
HK$42,784
baseline
▲ 0.50% · 4.625%
HK$45,387
+HK$2,603/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,568/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,788
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,989
−HK$1,219/mo
Today · 4.125%
HK$47,208
baseline
▲ 0.50% · 4.625%
HK$49,696
+HK$2,488/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,416/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,969
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,430
−HK$1,485/mo
Today · 4.125%
HK$49,915
baseline
▲ 0.50% · 4.625%
HK$52,952
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,830/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,253
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,654
−HK$1,422/mo
Today · 4.125%
HK$55,076
baseline
▲ 0.50% · 4.625%
HK$57,979
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,152/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,389
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,268
−HK$1,908/mo
Today · 4.125%
HK$64,176
baseline
▲ 0.50% · 4.625%
HK$68,081
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,352/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,182
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,984
−HK$1,828/mo
Today · 4.125%
HK$70,812
baseline
▲ 0.50% · 4.625%
HK$74,545
+HK$3,733/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,624/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,741 · Scale 2, in force from 26 Feb 2026)