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$33,465
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$1,058/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,228
−HK$1,013/mo
Today · 4.125%
HK$39,241
baseline
▲ 0.50% · 4.625%
HK$41,310
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,482/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,158
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,269/mo
Today · 4.125%
HK$42,677
baseline
▲ 0.50% · 4.625%
HK$45,273
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,354/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,676
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,874
−HK$1,215/mo
Today · 4.125%
HK$47,089
baseline
▲ 0.50% · 4.625%
HK$49,572
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,178/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,851
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,309
−HK$1,480/mo
Today · 4.125%
HK$49,789
baseline
▲ 0.50% · 4.625%
HK$52,819
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,578/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,122
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,520
−HK$1,418/mo
Today · 4.125%
HK$54,938
baseline
▲ 0.50% · 4.625%
HK$57,834
+HK$2,896/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,876/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,238
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,111
−HK$1,904/mo
Today · 4.125%
HK$64,015
baseline
▲ 0.50% · 4.625%
HK$67,910
+HK$3,895/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,030/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,014
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,811
−HK$1,823/mo
Today · 4.125%
HK$70,634
baseline
▲ 0.50% · 4.625%
HK$74,357
+HK$3,723/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,268/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,355 · Scale 2, in force from 26 Feb 2026)