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$33,459
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,499
−HK$1,058/mo
Today · 4.125%
HK$35,557
baseline
▲ 0.50% · 4.625%
HK$37,720
+HK$2,163/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,114/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,222
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,221
−HK$1,012/mo
Today · 4.125%
HK$39,233
baseline
▲ 0.50% · 4.625%
HK$41,302
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,466/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,150
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,399
−HK$1,269/mo
Today · 4.125%
HK$42,668
baseline
▲ 0.50% · 4.625%
HK$45,264
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,336/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,667
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,865
−HK$1,215/mo
Today · 4.125%
HK$47,080
baseline
▲ 0.50% · 4.625%
HK$49,562
+HK$2,482/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,160/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,842
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,299
−HK$1,481/mo
Today · 4.125%
HK$49,780
baseline
▲ 0.50% · 4.625%
HK$52,809
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,560/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,111
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,509
−HK$1,418/mo
Today · 4.125%
HK$54,927
baseline
▲ 0.50% · 4.625%
HK$57,822
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,854/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,226
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,099
−HK$1,903/mo
Today · 4.125%
HK$64,002
baseline
▲ 0.50% · 4.625%
HK$67,897
+HK$3,895/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,004/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,000
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,797
−HK$1,823/mo
Today · 4.125%
HK$70,620
baseline
▲ 0.50% · 4.625%
HK$74,343
+HK$3,723/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,240/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,246 · Scale 2, in force from 26 Feb 2026)