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$33,488
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,530
−HK$1,058/mo
Today · 4.125%
HK$35,588
baseline
▲ 0.50% · 4.625%
HK$37,753
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,176/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,255
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,254
−HK$1,014/mo
Today · 4.125%
HK$39,268
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,536/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,185
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,435
−HK$1,270/mo
Today · 4.125%
HK$42,705
baseline
▲ 0.50% · 4.625%
HK$45,304
+HK$2,599/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,410/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,706
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,905
−HK$1,216/mo
Today · 4.125%
HK$47,121
baseline
▲ 0.50% · 4.625%
HK$49,605
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,242/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,883
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,341
−HK$1,482/mo
Today · 4.125%
HK$49,823
baseline
▲ 0.50% · 4.625%
HK$52,855
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,646/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,157
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,556
−HK$1,419/mo
Today · 4.125%
HK$54,975
baseline
▲ 0.50% · 4.625%
HK$57,873
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,950/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,278
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,153
−HK$1,905/mo
Today · 4.125%
HK$64,058
baseline
▲ 0.50% · 4.625%
HK$67,956
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,116/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,059
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,857
−HK$1,825/mo
Today · 4.125%
HK$70,682
baseline
▲ 0.50% · 4.625%
HK$74,408
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,364/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,726 · Scale 2, in force from 26 Feb 2026)