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$33,484
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,525
−HK$1,058/mo
Today · 4.125%
HK$35,583
baseline
▲ 0.50% · 4.625%
HK$37,749
+HK$2,166/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,166/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,250
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,249
−HK$1,014/mo
Today · 4.125%
HK$39,263
baseline
▲ 0.50% · 4.625%
HK$41,332
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,526/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,180
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,430
−HK$1,270/mo
Today · 4.125%
HK$42,700
baseline
▲ 0.50% · 4.625%
HK$45,298
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,400/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,700
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,899
−HK$1,216/mo
Today · 4.125%
HK$47,115
baseline
▲ 0.50% · 4.625%
HK$49,599
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,230/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,877
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,335
−HK$1,482/mo
Today · 4.125%
HK$49,817
baseline
▲ 0.50% · 4.625%
HK$52,848
+HK$3,031/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,634/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,150
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,549
−HK$1,419/mo
Today · 4.125%
HK$54,968
baseline
▲ 0.50% · 4.625%
HK$57,865
+HK$2,897/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,936/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,271
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,145
−HK$1,905/mo
Today · 4.125%
HK$64,050
baseline
▲ 0.50% · 4.625%
HK$67,947
+HK$3,897/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,100/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,050
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,849
−HK$1,824/mo
Today · 4.125%
HK$70,673
baseline
▲ 0.50% · 4.625%
HK$74,398
+HK$3,725/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,346/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,657 · Scale 2, in force from 26 Feb 2026)