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$33,462
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,503
−HK$1,058/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,724
+HK$2,163/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,226
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,225
−HK$1,013/mo
Today · 4.125%
HK$39,238
baseline
▲ 0.50% · 4.625%
HK$41,306
+HK$2,068/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,476/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,155
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,404
−HK$1,269/mo
Today · 4.125%
HK$42,673
baseline
▲ 0.50% · 4.625%
HK$45,269
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,346/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,672
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,870
−HK$1,215/mo
Today · 4.125%
HK$47,085
baseline
▲ 0.50% · 4.625%
HK$49,567
+HK$2,482/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,170/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,847
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,304
−HK$1,481/mo
Today · 4.125%
HK$49,785
baseline
▲ 0.50% · 4.625%
HK$52,814
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,570/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,117
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,515
−HK$1,418/mo
Today · 4.125%
HK$54,933
baseline
▲ 0.50% · 4.625%
HK$57,828
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,866/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,232
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,106
−HK$1,903/mo
Today · 4.125%
HK$64,009
baseline
▲ 0.50% · 4.625%
HK$67,904
+HK$3,895/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,018/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,008
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,805
−HK$1,823/mo
Today · 4.125%
HK$70,628
baseline
▲ 0.50% · 4.625%
HK$74,351
+HK$3,723/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,256/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,304 · Scale 2, in force from 26 Feb 2026)