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$2,101/mo
▼ 0.25% · 3.875%
HK$34,532
−HK$1,059/mo
Today · 4.125%
HK$35,591
baseline
▲ 0.50% · 4.625%
HK$37,756
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,182/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,258
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,257
−HK$1,014/mo
Today · 4.125%
HK$39,271
baseline
▲ 0.50% · 4.625%
HK$41,341
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,542/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,188
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,439
−HK$1,270/mo
Today · 4.125%
HK$42,709
baseline
▲ 0.50% · 4.625%
HK$45,307
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,418/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,709
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,908
−HK$1,217/mo
Today · 4.125%
HK$47,125
baseline
▲ 0.50% · 4.625%
HK$49,609
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,250/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,887
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,345
−HK$1,482/mo
Today · 4.125%
HK$49,827
baseline
▲ 0.50% · 4.625%
HK$52,859
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,654/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,161
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,560
−HK$1,419/mo
Today · 4.125%
HK$54,979
baseline
▲ 0.50% · 4.625%
HK$57,877
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,958/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,283
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,158
−HK$1,905/mo
Today · 4.125%
HK$64,063
baseline
▲ 0.50% · 4.625%
HK$67,961
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,126/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,064
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,863
−HK$1,824/mo
Today · 4.125%
HK$70,687
baseline
▲ 0.50% · 4.625%
HK$74,413
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,374/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,768 · Scale 2, in force from 26 Feb 2026)