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$33,474
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,515
−HK$1,058/mo
Today · 4.125%
HK$35,573
baseline
▲ 0.50% · 4.625%
HK$37,738
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,146/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,240
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,239
−HK$1,013/mo
Today · 4.125%
HK$39,252
baseline
▲ 0.50% · 4.625%
HK$41,321
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,504/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,169
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,419
−HK$1,269/mo
Today · 4.125%
HK$42,688
baseline
▲ 0.50% · 4.625%
HK$45,286
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,376/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,688
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,886
−HK$1,216/mo
Today · 4.125%
HK$47,102
baseline
▲ 0.50% · 4.625%
HK$49,585
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,204/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,864
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,322
−HK$1,481/mo
Today · 4.125%
HK$49,803
baseline
▲ 0.50% · 4.625%
HK$52,833
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$99,606/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,136
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,534
−HK$1,418/mo
Today · 4.125%
HK$54,952
baseline
▲ 0.50% · 4.625%
HK$57,849
+HK$2,897/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$109,904/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,254
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,128
−HK$1,904/mo
Today · 4.125%
HK$64,032
baseline
▲ 0.50% · 4.625%
HK$67,928
+HK$3,896/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,064/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,032
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,829
−HK$1,824/mo
Today · 4.125%
HK$70,653
baseline
▲ 0.50% · 4.625%
HK$74,377
+HK$3,724/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,306/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,502 · Scale 2, in force from 26 Feb 2026)