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$33,468
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,509
−HK$1,058/mo
Today · 4.125%
HK$35,567
baseline
▲ 0.50% · 4.625%
HK$37,731
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,134/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,233
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,231
−HK$1,013/mo
Today · 4.125%
HK$39,244
baseline
▲ 0.50% · 4.625%
HK$41,313
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,488/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,161
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,411
−HK$1,269/mo
Today · 4.125%
HK$42,680
baseline
▲ 0.50% · 4.625%
HK$45,277
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,360/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,679
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,877
−HK$1,216/mo
Today · 4.125%
HK$47,093
baseline
▲ 0.50% · 4.625%
HK$49,575
+HK$2,482/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,186/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,855
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,312
−HK$1,481/mo
Today · 4.125%
HK$49,793
baseline
▲ 0.50% · 4.625%
HK$52,823
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,586/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,126
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,524
−HK$1,418/mo
Today · 4.125%
HK$54,942
baseline
▲ 0.50% · 4.625%
HK$57,838
+HK$2,896/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,884/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,242
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,116
−HK$1,904/mo
Today · 4.125%
HK$64,020
baseline
▲ 0.50% · 4.625%
HK$67,915
+HK$3,895/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,040/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,019
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,816
−HK$1,824/mo
Today · 4.125%
HK$70,640
baseline
▲ 0.50% · 4.625%
HK$74,363
+HK$3,723/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,280/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,396 · Scale 2, in force from 26 Feb 2026)