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$33,472
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,513
−HK$1,058/mo
Today · 4.125%
HK$35,571
baseline
▲ 0.50% · 4.625%
HK$37,736
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,142/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,237
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,236
−HK$1,013/mo
Today · 4.125%
HK$39,249
baseline
▲ 0.50% · 4.625%
HK$41,318
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,498/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,167
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,416
−HK$1,269/mo
Today · 4.125%
HK$42,685
baseline
▲ 0.50% · 4.625%
HK$45,283
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,370/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,685
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,883
−HK$1,216/mo
Today · 4.125%
HK$47,099
baseline
▲ 0.50% · 4.625%
HK$49,582
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,198/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,861
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,319
−HK$1,481/mo
Today · 4.125%
HK$49,800
baseline
▲ 0.50% · 4.625%
HK$52,830
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$99,600/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,132
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,531
−HK$1,418/mo
Today · 4.125%
HK$54,949
baseline
▲ 0.50% · 4.625%
HK$57,845
+HK$2,896/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$109,898/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,250
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,124
−HK$1,904/mo
Today · 4.125%
HK$64,028
baseline
▲ 0.50% · 4.625%
HK$67,924
+HK$3,896/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,056/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,027
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,825
−HK$1,824/mo
Today · 4.125%
HK$70,649
baseline
▲ 0.50% · 4.625%
HK$74,373
+HK$3,724/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,298/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,468 · Scale 2, in force from 26 Feb 2026)