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$33,446
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,487
−HK$1,057/mo
Today · 4.125%
HK$35,544
baseline
▲ 0.50% · 4.625%
HK$37,706
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,088/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,209
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,206
−HK$1,013/mo
Today · 4.125%
HK$39,219
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,438/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,135
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,384
−HK$1,268/mo
Today · 4.125%
HK$42,652
baseline
▲ 0.50% · 4.625%
HK$45,248
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,304/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,650
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,848
−HK$1,215/mo
Today · 4.125%
HK$47,063
baseline
▲ 0.50% · 4.625%
HK$49,543
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,126/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,825
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,281
−HK$1,480/mo
Today · 4.125%
HK$49,761
baseline
▲ 0.50% · 4.625%
HK$52,789
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,522/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,092
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,489
−HK$1,417/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$57,801
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,203
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,076
−HK$1,902/mo
Today · 4.125%
HK$63,978
baseline
▲ 0.50% · 4.625%
HK$67,871
+HK$3,893/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,956/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,975
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,772
−HK$1,822/mo
Today · 4.125%
HK$70,594
baseline
▲ 0.50% · 4.625%
HK$74,315
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,188/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,041 · Scale 2, in force from 26 Feb 2026)