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$33,494
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,536
−HK$1,059/mo
Today · 4.125%
HK$35,595
baseline
▲ 0.50% · 4.625%
HK$37,761
+HK$2,166/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,190/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,262
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,262
−HK$1,013/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,346
+HK$2,071/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,193
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,444
−HK$1,270/mo
Today · 4.125%
HK$42,714
baseline
▲ 0.50% · 4.625%
HK$45,313
+HK$2,599/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$85,428/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,715
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,914
−HK$1,217/mo
Today · 4.125%
HK$47,131
baseline
▲ 0.50% · 4.625%
HK$49,615
+HK$2,484/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$94,262/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,892
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,351
−HK$1,482/mo
Today · 4.125%
HK$49,833
baseline
▲ 0.50% · 4.625%
HK$52,865
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,666/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,167
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,566
−HK$1,420/mo
Today · 4.125%
HK$54,986
baseline
▲ 0.50% · 4.625%
HK$57,884
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,972/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,290
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,906/mo
Today · 4.125%
HK$64,071
baseline
▲ 0.50% · 4.625%
HK$67,969
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,142/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,072
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,871
−HK$1,825/mo
Today · 4.125%
HK$70,696
baseline
▲ 0.50% · 4.625%
HK$74,422
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,392/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,834 · Scale 2, in force from 26 Feb 2026)