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$33,488
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,530
−HK$1,058/mo
Today · 4.125%
HK$35,588
baseline
▲ 0.50% · 4.625%
HK$37,754
+HK$2,166/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,176/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,255
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,255
−HK$1,013/mo
Today · 4.125%
HK$39,268
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,536/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,186
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,436
−HK$1,270/mo
Today · 4.125%
HK$42,706
baseline
▲ 0.50% · 4.625%
HK$45,304
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,412/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,706
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,905
−HK$1,217/mo
Today · 4.125%
HK$47,122
baseline
▲ 0.50% · 4.625%
HK$49,606
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,244/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,884
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,342
−HK$1,482/mo
Today · 4.125%
HK$49,824
baseline
▲ 0.50% · 4.625%
HK$52,855
+HK$3,031/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,648/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,158
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,556
−HK$1,419/mo
Today · 4.125%
HK$54,975
baseline
▲ 0.50% · 4.625%
HK$57,873
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,950/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,279
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,154
−HK$1,905/mo
Today · 4.125%
HK$64,059
baseline
▲ 0.50% · 4.625%
HK$67,957
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,118/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,060
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,858
−HK$1,825/mo
Today · 4.125%
HK$70,683
baseline
▲ 0.50% · 4.625%
HK$74,408
+HK$3,725/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,366/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,732 · Scale 2, in force from 26 Feb 2026)