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$33,460
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,501
−HK$1,057/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,722
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,116/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,224
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,222
−HK$1,013/mo
Today · 4.125%
HK$39,235
baseline
▲ 0.50% · 4.625%
HK$41,303
+HK$2,068/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,470/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,152
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,401
−HK$1,269/mo
Today · 4.125%
HK$42,670
baseline
▲ 0.50% · 4.625%
HK$45,266
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,340/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,668
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,866
−HK$1,216/mo
Today · 4.125%
HK$47,082
baseline
▲ 0.50% · 4.625%
HK$49,563
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,164/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,844
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,301
−HK$1,480/mo
Today · 4.125%
HK$49,781
baseline
▲ 0.50% · 4.625%
HK$52,810
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,562/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,113
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,511
−HK$1,418/mo
Today · 4.125%
HK$54,929
baseline
▲ 0.50% · 4.625%
HK$57,824
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,858/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,228
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,101
−HK$1,903/mo
Today · 4.125%
HK$64,004
baseline
▲ 0.50% · 4.625%
HK$67,899
+HK$3,895/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,008/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,003
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,800
−HK$1,823/mo
Today · 4.125%
HK$70,623
baseline
▲ 0.50% · 4.625%
HK$74,345
+HK$3,722/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,246/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,265 · Scale 2, in force from 26 Feb 2026)