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$33,458
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,498
−HK$1,058/mo
Today · 4.125%
HK$35,556
baseline
▲ 0.50% · 4.625%
HK$37,719
+HK$2,163/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,112/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,221
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,220
−HK$1,012/mo
Today · 4.125%
HK$39,232
baseline
▲ 0.50% · 4.625%
HK$41,300
+HK$2,068/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,464/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,149
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,398
−HK$1,269/mo
Today · 4.125%
HK$42,667
baseline
▲ 0.50% · 4.625%
HK$45,263
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,334/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,666
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,863
−HK$1,216/mo
Today · 4.125%
HK$47,079
baseline
▲ 0.50% · 4.625%
HK$49,560
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,158/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,841
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,298
−HK$1,480/mo
Today · 4.125%
HK$49,778
baseline
▲ 0.50% · 4.625%
HK$52,807
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,556/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,110
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,507
−HK$1,418/mo
Today · 4.125%
HK$54,925
baseline
▲ 0.50% · 4.625%
HK$57,820
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,850/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,224
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,097
−HK$1,903/mo
Today · 4.125%
HK$64,000
baseline
▲ 0.50% · 4.625%
HK$67,895
+HK$3,895/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,000/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,998
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,795
−HK$1,823/mo
Today · 4.125%
HK$70,618
baseline
▲ 0.50% · 4.625%
HK$74,340
+HK$3,722/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,236/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,228 · Scale 2, in force from 26 Feb 2026)