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$33,479
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$1,058/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,743
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,245
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,244
−HK$1,013/mo
Today · 4.125%
HK$39,257
baseline
▲ 0.50% · 4.625%
HK$41,326
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,514/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,424
−HK$1,270/mo
Today · 4.125%
HK$42,694
baseline
▲ 0.50% · 4.625%
HK$45,291
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,388/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,694
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,892
−HK$1,216/mo
Today · 4.125%
HK$47,108
baseline
▲ 0.50% · 4.625%
HK$49,591
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,216/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,870
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,328
−HK$1,481/mo
Today · 4.125%
HK$49,809
baseline
▲ 0.50% · 4.625%
HK$52,840
+HK$3,031/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$99,618/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,143
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,541
−HK$1,419/mo
Today · 4.125%
HK$54,960
baseline
▲ 0.50% · 4.625%
HK$57,857
+HK$2,897/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$109,920/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,262
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,136
−HK$1,905/mo
Today · 4.125%
HK$64,041
baseline
▲ 0.50% · 4.625%
HK$67,937
+HK$3,896/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,082/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,040
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,838
−HK$1,824/mo
Today · 4.125%
HK$70,662
baseline
▲ 0.50% · 4.625%
HK$74,387
+HK$3,725/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,324/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,574 · Scale 2, in force from 26 Feb 2026)