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$33,718
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,767
−HK$1,066/mo
Today · 4.125%
HK$35,833
baseline
▲ 0.50% · 4.625%
HK$38,013
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,666/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,511
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,517
−HK$1,021/mo
Today · 4.125%
HK$39,538
baseline
▲ 0.50% · 4.625%
HK$41,622
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,076/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,462
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,721
−HK$1,278/mo
Today · 4.125%
HK$42,999
baseline
▲ 0.50% · 4.625%
HK$45,616
+HK$2,617/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,998/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,014
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,221
−HK$1,225/mo
Today · 4.125%
HK$47,446
baseline
▲ 0.50% · 4.625%
HK$49,947
+HK$2,501/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,892/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,206
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,674
−HK$1,492/mo
Today · 4.125%
HK$50,166
baseline
▲ 0.50% · 4.625%
HK$53,218
+HK$3,052/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,332/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,516
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,924
−HK$1,429/mo
Today · 4.125%
HK$55,353
baseline
▲ 0.50% · 4.625%
HK$58,271
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,706/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,693
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,581
−HK$1,918/mo
Today · 4.125%
HK$64,499
baseline
▲ 0.50% · 4.625%
HK$68,424
+HK$3,925/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$128,998/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,521
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,331
−HK$1,837/mo
Today · 4.125%
HK$71,168
baseline
▲ 0.50% · 4.625%
HK$74,920
+HK$3,752/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,336/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,517 · Scale 2, in force from 26 Feb 2026)