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$33,495
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$1,058/mo
Today · 4.125%
HK$35,595
baseline
▲ 0.50% · 4.625%
HK$37,761
+HK$2,166/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,190/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,263
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,262
−HK$1,014/mo
Today · 4.125%
HK$39,276
baseline
▲ 0.50% · 4.625%
HK$41,346
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,552/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,194
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,444
−HK$1,270/mo
Today · 4.125%
HK$42,714
baseline
▲ 0.50% · 4.625%
HK$45,313
+HK$2,599/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$85,428/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,715
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,914
−HK$1,217/mo
Today · 4.125%
HK$47,131
baseline
▲ 0.50% · 4.625%
HK$49,615
+HK$2,484/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$94,262/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,893
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,351
−HK$1,482/mo
Today · 4.125%
HK$49,833
baseline
▲ 0.50% · 4.625%
HK$52,866
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,666/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,168
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,567
−HK$1,419/mo
Today · 4.125%
HK$54,986
baseline
▲ 0.50% · 4.625%
HK$57,885
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,972/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,291
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,166
−HK$1,905/mo
Today · 4.125%
HK$64,071
baseline
▲ 0.50% · 4.625%
HK$67,970
+HK$3,899/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,142/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,073
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,872
−HK$1,824/mo
Today · 4.125%
HK$70,696
baseline
▲ 0.50% · 4.625%
HK$74,423
+HK$3,727/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,392/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,840 · Scale 2, in force from 26 Feb 2026)