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$33,490
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,532
−HK$1,058/mo
Today · 4.125%
HK$35,590
baseline
▲ 0.50% · 4.625%
HK$37,756
+HK$2,166/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,180/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,257
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,256
−HK$1,014/mo
Today · 4.125%
HK$39,270
baseline
▲ 0.50% · 4.625%
HK$41,340
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,540/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,188
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,438
−HK$1,270/mo
Today · 4.125%
HK$42,708
baseline
▲ 0.50% · 4.625%
HK$45,307
+HK$2,599/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,416/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,709
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,908
−HK$1,216/mo
Today · 4.125%
HK$47,124
baseline
▲ 0.50% · 4.625%
HK$49,608
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,248/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,886
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,344
−HK$1,482/mo
Today · 4.125%
HK$49,826
baseline
▲ 0.50% · 4.625%
HK$52,858
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,652/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,160
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,559
−HK$1,419/mo
Today · 4.125%
HK$54,978
baseline
▲ 0.50% · 4.625%
HK$57,876
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,956/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,282
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,157
−HK$1,905/mo
Today · 4.125%
HK$64,062
baseline
▲ 0.50% · 4.625%
HK$67,960
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,124/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,063
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,862
−HK$1,824/mo
Today · 4.125%
HK$70,686
baseline
▲ 0.50% · 4.625%
HK$74,412
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,372/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,760 · Scale 2, in force from 26 Feb 2026)