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$33,447
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,487
−HK$1,058/mo
Today · 4.125%
HK$35,545
baseline
▲ 0.50% · 4.625%
HK$37,707
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,090/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,210
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,207
−HK$1,013/mo
Today · 4.125%
HK$39,220
baseline
▲ 0.50% · 4.625%
HK$41,287
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,440/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,137
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,385
−HK$1,268/mo
Today · 4.125%
HK$42,653
baseline
▲ 0.50% · 4.625%
HK$45,249
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,306/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,651
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,215/mo
Today · 4.125%
HK$47,064
baseline
▲ 0.50% · 4.625%
HK$49,545
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,128/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,826
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,282
−HK$1,480/mo
Today · 4.125%
HK$49,762
baseline
▲ 0.50% · 4.625%
HK$52,790
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,524/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,093
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,490
−HK$1,418/mo
Today · 4.125%
HK$54,908
baseline
▲ 0.50% · 4.625%
HK$57,802
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,816/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,205
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,077
−HK$1,903/mo
Today · 4.125%
HK$63,980
baseline
▲ 0.50% · 4.625%
HK$67,873
+HK$3,893/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,960/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,977
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,773
−HK$1,823/mo
Today · 4.125%
HK$70,596
baseline
▲ 0.50% · 4.625%
HK$74,317
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,192/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,055 · Scale 2, in force from 26 Feb 2026)