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$33,469
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,511
−HK$1,057/mo
Today · 4.125%
HK$35,568
baseline
▲ 0.50% · 4.625%
HK$37,732
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,136/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,234
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,233
−HK$1,013/mo
Today · 4.125%
HK$39,246
baseline
▲ 0.50% · 4.625%
HK$41,315
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,492/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,163
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,269/mo
Today · 4.125%
HK$42,682
baseline
▲ 0.50% · 4.625%
HK$45,279
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,364/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,681
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,880
−HK$1,215/mo
Today · 4.125%
HK$47,095
baseline
▲ 0.50% · 4.625%
HK$49,578
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,190/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,857
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,315
−HK$1,481/mo
Today · 4.125%
HK$49,796
baseline
▲ 0.50% · 4.625%
HK$52,825
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,592/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,128
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,526
−HK$1,418/mo
Today · 4.125%
HK$54,944
baseline
▲ 0.50% · 4.625%
HK$57,841
+HK$2,897/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,888/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,245
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,119
−HK$1,904/mo
Today · 4.125%
HK$64,023
baseline
▲ 0.50% · 4.625%
HK$67,918
+HK$3,895/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,046/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,022
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,819
−HK$1,824/mo
Today · 4.125%
HK$70,643
baseline
▲ 0.50% · 4.625%
HK$74,367
+HK$3,724/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,286/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,422 · Scale 2, in force from 26 Feb 2026)