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$33,444
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,485
−HK$1,056/mo
Today · 4.125%
HK$35,541
baseline
▲ 0.50% · 4.625%
HK$37,704
+HK$2,163/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,082/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,206
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,204
−HK$1,013/mo
Today · 4.125%
HK$39,217
baseline
▲ 0.50% · 4.625%
HK$41,284
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,434/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,133
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,381
−HK$1,269/mo
Today · 4.125%
HK$42,650
baseline
▲ 0.50% · 4.625%
HK$45,245
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,300/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,648
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,845
−HK$1,215/mo
Today · 4.125%
HK$47,060
baseline
▲ 0.50% · 4.625%
HK$49,540
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,120/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,822
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,278
−HK$1,480/mo
Today · 4.125%
HK$49,758
baseline
▲ 0.50% · 4.625%
HK$52,786
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,516/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,089
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,486
−HK$1,417/mo
Today · 4.125%
HK$54,903
baseline
▲ 0.50% · 4.625%
HK$57,797
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,806/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,200
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,072
−HK$1,903/mo
Today · 4.125%
HK$63,975
baseline
▲ 0.50% · 4.625%
HK$67,867
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,950/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,971
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,768
−HK$1,822/mo
Today · 4.125%
HK$70,590
baseline
▲ 0.50% · 4.625%
HK$74,311
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,180/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,008 · Scale 2, in force from 26 Feb 2026)