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$33,460
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,500
−HK$1,058/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,721
+HK$2,163/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,116/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,223
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,222
−HK$1,012/mo
Today · 4.125%
HK$39,234
baseline
▲ 0.50% · 4.625%
HK$41,303
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,468/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,151
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,400
−HK$1,269/mo
Today · 4.125%
HK$42,669
baseline
▲ 0.50% · 4.625%
HK$45,266
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,338/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,668
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,866
−HK$1,215/mo
Today · 4.125%
HK$47,081
baseline
▲ 0.50% · 4.625%
HK$49,563
+HK$2,482/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,162/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,843
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,300
−HK$1,481/mo
Today · 4.125%
HK$49,781
baseline
▲ 0.50% · 4.625%
HK$52,810
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,562/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,113
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,510
−HK$1,418/mo
Today · 4.125%
HK$54,928
baseline
▲ 0.50% · 4.625%
HK$57,824
+HK$2,896/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,856/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,227
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,101
−HK$1,903/mo
Today · 4.125%
HK$64,004
baseline
▲ 0.50% · 4.625%
HK$67,898
+HK$3,894/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,008/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,002
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,799
−HK$1,823/mo
Today · 4.125%
HK$70,622
baseline
▲ 0.50% · 4.625%
HK$74,345
+HK$3,723/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,244/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,260 · Scale 2, in force from 26 Feb 2026)