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$33,445
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,486
−HK$1,057/mo
Today · 4.125%
HK$35,543
baseline
▲ 0.50% · 4.625%
HK$37,705
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,086/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,208
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,206
−HK$1,012/mo
Today · 4.125%
HK$39,218
baseline
▲ 0.50% · 4.625%
HK$41,285
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,436/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,135
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,383
−HK$1,268/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$45,247
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,649
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,847
−HK$1,215/mo
Today · 4.125%
HK$47,062
baseline
▲ 0.50% · 4.625%
HK$49,542
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,124/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,824
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,280
−HK$1,480/mo
Today · 4.125%
HK$49,760
baseline
▲ 0.50% · 4.625%
HK$52,788
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,520/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,091
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,488
−HK$1,417/mo
Today · 4.125%
HK$54,905
baseline
▲ 0.50% · 4.625%
HK$57,799
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,810/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,202
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,074
−HK$1,903/mo
Today · 4.125%
HK$63,977
baseline
▲ 0.50% · 4.625%
HK$67,870
+HK$3,893/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,954/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,974
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,770
−HK$1,822/mo
Today · 4.125%
HK$70,592
baseline
▲ 0.50% · 4.625%
HK$74,313
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,184/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,029 · Scale 2, in force from 26 Feb 2026)