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$33,491
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,533
−HK$1,058/mo
Today · 4.125%
HK$35,591
baseline
▲ 0.50% · 4.625%
HK$37,757
+HK$2,166/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$550,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,259
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,258
−HK$1,014/mo
Today · 4.125%
HK$39,272
baseline
▲ 0.50% · 4.625%
HK$41,342
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,544/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,189
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,440
−HK$1,270/mo
Today · 4.125%
HK$42,710
baseline
▲ 0.50% · 4.625%
HK$45,308
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,420/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,710
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,909
−HK$1,217/mo
Today · 4.125%
HK$47,126
baseline
▲ 0.50% · 4.625%
HK$49,610
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,252/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,888
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,346
−HK$1,482/mo
Today · 4.125%
HK$49,828
baseline
▲ 0.50% · 4.625%
HK$52,860
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,656/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,162
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,561
−HK$1,419/mo
Today · 4.125%
HK$54,980
baseline
▲ 0.50% · 4.625%
HK$57,878
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,960/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,284
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,159
−HK$1,906/mo
Today · 4.125%
HK$64,065
baseline
▲ 0.50% · 4.625%
HK$67,963
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,130/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,066
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,864
−HK$1,825/mo
Today · 4.125%
HK$70,689
baseline
▲ 0.50% · 4.625%
HK$74,415
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,378/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,781 · Scale 2, in force from 26 Feb 2026)