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$33,494
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,536
−HK$1,059/mo
Today · 4.125%
HK$35,595
baseline
▲ 0.50% · 4.625%
HK$37,760
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,190/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,262
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,261
−HK$1,014/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,345
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,193
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,443
−HK$1,271/mo
Today · 4.125%
HK$42,714
baseline
▲ 0.50% · 4.625%
HK$45,313
+HK$2,599/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$85,428/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,714
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,914
−HK$1,216/mo
Today · 4.125%
HK$47,130
baseline
▲ 0.50% · 4.625%
HK$49,614
+HK$2,484/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$94,260/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,892
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,351
−HK$1,481/mo
Today · 4.125%
HK$49,832
baseline
▲ 0.50% · 4.625%
HK$52,865
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,664/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,167
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,566
−HK$1,419/mo
Today · 4.125%
HK$54,985
baseline
▲ 0.50% · 4.625%
HK$57,884
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,970/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,290
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,905/mo
Today · 4.125%
HK$64,070
baseline
▲ 0.50% · 4.625%
HK$67,969
+HK$3,899/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,140/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,072
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,870
−HK$1,825/mo
Today · 4.125%
HK$70,695
baseline
▲ 0.50% · 4.625%
HK$74,422
+HK$3,727/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,390/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,831 · Scale 2, in force from 26 Feb 2026)