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$33,691
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,739
−HK$1,064/mo
Today · 4.125%
HK$35,803
baseline
▲ 0.50% · 4.625%
HK$37,982
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,606/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,486
−HK$1,019/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,588
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,429
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,686
−HK$1,278/mo
Today · 4.125%
HK$42,964
baseline
▲ 0.50% · 4.625%
HK$45,578
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,928/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,977
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,183
−HK$1,224/mo
Today · 4.125%
HK$47,407
baseline
▲ 0.50% · 4.625%
HK$49,905
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,814/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,167
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,634
−HK$1,491/mo
Today · 4.125%
HK$50,125
baseline
▲ 0.50% · 4.625%
HK$53,175
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,250/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,473
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,880
−HK$1,428/mo
Today · 4.125%
HK$55,308
baseline
▲ 0.50% · 4.625%
HK$58,223
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,616/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,643
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,530
−HK$1,916/mo
Today · 4.125%
HK$64,446
baseline
▲ 0.50% · 4.625%
HK$68,367
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,892/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,465
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,274
−HK$1,836/mo
Today · 4.125%
HK$71,110
baseline
▲ 0.50% · 4.625%
HK$74,858
+HK$3,748/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,220/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,061 · Scale 2, in force from 26 Feb 2026)