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$33,471
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$1,058/mo
Today · 4.125%
HK$35,570
baseline
▲ 0.50% · 4.625%
HK$37,734
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,140/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,236
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,235
−HK$1,013/mo
Today · 4.125%
HK$39,248
baseline
▲ 0.50% · 4.625%
HK$41,316
+HK$2,068/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,496/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,165
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,414
−HK$1,270/mo
Today · 4.125%
HK$42,684
baseline
▲ 0.50% · 4.625%
HK$45,281
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,368/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,683
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,216/mo
Today · 4.125%
HK$47,097
baseline
▲ 0.50% · 4.625%
HK$49,580
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,194/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,859
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,317
−HK$1,481/mo
Today · 4.125%
HK$49,798
baseline
▲ 0.50% · 4.625%
HK$52,828
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,596/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,130
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,528
−HK$1,419/mo
Today · 4.125%
HK$54,947
baseline
▲ 0.50% · 4.625%
HK$57,843
+HK$2,896/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,894/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,247
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,121
−HK$1,904/mo
Today · 4.125%
HK$64,025
baseline
▲ 0.50% · 4.625%
HK$67,921
+HK$3,896/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,050/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,025
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,822
−HK$1,824/mo
Today · 4.125%
HK$70,646
baseline
▲ 0.50% · 4.625%
HK$74,370
+HK$3,724/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,292/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,445 · Scale 2, in force from 26 Feb 2026)