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$33,485
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,527
−HK$1,058/mo
Today · 4.125%
HK$35,585
baseline
▲ 0.50% · 4.625%
HK$37,750
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,170/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,252
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,251
−HK$1,014/mo
Today · 4.125%
HK$39,265
baseline
▲ 0.50% · 4.625%
HK$41,334
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,530/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,182
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,432
−HK$1,270/mo
Today · 4.125%
HK$42,702
baseline
▲ 0.50% · 4.625%
HK$45,300
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,404/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,702
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,901
−HK$1,216/mo
Today · 4.125%
HK$47,117
baseline
▲ 0.50% · 4.625%
HK$49,601
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,234/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,879
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,338
−HK$1,481/mo
Today · 4.125%
HK$49,819
baseline
▲ 0.50% · 4.625%
HK$52,850
+HK$3,031/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,638/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,153
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,551
−HK$1,419/mo
Today · 4.125%
HK$54,970
baseline
▲ 0.50% · 4.625%
HK$57,868
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,940/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,273
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,905/mo
Today · 4.125%
HK$64,053
baseline
▲ 0.50% · 4.625%
HK$67,951
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,106/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,054
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,852
−HK$1,824/mo
Today · 4.125%
HK$70,676
baseline
▲ 0.50% · 4.625%
HK$74,402
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,352/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,682 · Scale 2, in force from 26 Feb 2026)