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$33,455
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,496
−HK$1,057/mo
Today · 4.125%
HK$35,553
baseline
▲ 0.50% · 4.625%
HK$37,716
+HK$2,163/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,106/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,218
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,216
−HK$1,013/mo
Today · 4.125%
HK$39,229
baseline
▲ 0.50% · 4.625%
HK$41,297
+HK$2,068/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,458/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,146
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,395
−HK$1,268/mo
Today · 4.125%
HK$42,663
baseline
▲ 0.50% · 4.625%
HK$45,259
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,326/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,662
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,860
−HK$1,215/mo
Today · 4.125%
HK$47,075
baseline
▲ 0.50% · 4.625%
HK$49,556
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,150/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,837
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,294
−HK$1,480/mo
Today · 4.125%
HK$49,774
baseline
▲ 0.50% · 4.625%
HK$52,803
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,548/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,106
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,503
−HK$1,418/mo
Today · 4.125%
HK$54,921
baseline
▲ 0.50% · 4.625%
HK$57,816
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,842/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,219
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,092
−HK$1,903/mo
Today · 4.125%
HK$63,995
baseline
▲ 0.50% · 4.625%
HK$67,889
+HK$3,894/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,990/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,993
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,790
−HK$1,822/mo
Today · 4.125%
HK$70,612
baseline
▲ 0.50% · 4.625%
HK$74,334
+HK$3,722/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,224/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,185 · Scale 2, in force from 26 Feb 2026)