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$33,476
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,517
−HK$1,058/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,740
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,241
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,240
−HK$1,013/mo
Today · 4.125%
HK$39,253
baseline
▲ 0.50% · 4.625%
HK$41,322
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,506/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,171
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,420
−HK$1,270/mo
Today · 4.125%
HK$42,690
baseline
▲ 0.50% · 4.625%
HK$45,287
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,380/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,690
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,888
−HK$1,216/mo
Today · 4.125%
HK$47,104
baseline
▲ 0.50% · 4.625%
HK$49,587
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,208/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,866
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,324
−HK$1,481/mo
Today · 4.125%
HK$49,805
baseline
▲ 0.50% · 4.625%
HK$52,835
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$99,610/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,138
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,536
−HK$1,419/mo
Today · 4.125%
HK$54,955
baseline
▲ 0.50% · 4.625%
HK$57,851
+HK$2,896/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$109,910/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,256
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,130
−HK$1,905/mo
Today · 4.125%
HK$64,035
baseline
▲ 0.50% · 4.625%
HK$67,931
+HK$3,896/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,070/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,034
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,832
−HK$1,824/mo
Today · 4.125%
HK$70,656
baseline
▲ 0.50% · 4.625%
HK$74,380
+HK$3,724/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,312/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,525 · Scale 2, in force from 26 Feb 2026)