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$33,463
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,504
−HK$1,058/mo
Today · 4.125%
HK$35,562
baseline
▲ 0.50% · 4.625%
HK$37,726
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,124/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,228
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,226
−HK$1,013/mo
Today · 4.125%
HK$39,239
baseline
▲ 0.50% · 4.625%
HK$41,307
+HK$2,068/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,478/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,156
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,405
−HK$1,269/mo
Today · 4.125%
HK$42,674
baseline
▲ 0.50% · 4.625%
HK$45,271
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,348/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,673
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,871
−HK$1,216/mo
Today · 4.125%
HK$47,087
baseline
▲ 0.50% · 4.625%
HK$49,569
+HK$2,482/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,174/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,849
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,306
−HK$1,481/mo
Today · 4.125%
HK$49,787
baseline
▲ 0.50% · 4.625%
HK$52,816
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,574/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,119
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,517
−HK$1,418/mo
Today · 4.125%
HK$54,935
baseline
▲ 0.50% · 4.625%
HK$57,830
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,870/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,234
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,108
−HK$1,903/mo
Today · 4.125%
HK$64,011
baseline
▲ 0.50% · 4.625%
HK$67,906
+HK$3,895/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,022/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,010
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,807
−HK$1,823/mo
Today · 4.125%
HK$70,630
baseline
▲ 0.50% · 4.625%
HK$74,353
+HK$3,723/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,260/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,324 · Scale 2, in force from 26 Feb 2026)