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$33,492
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,534
−HK$1,058/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,758
+HK$2,166/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,260
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,259
−HK$1,014/mo
Today · 4.125%
HK$39,273
baseline
▲ 0.50% · 4.625%
HK$41,343
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,546/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,190
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,441
−HK$1,270/mo
Today · 4.125%
HK$42,711
baseline
▲ 0.50% · 4.625%
HK$45,310
+HK$2,599/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$85,422/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,711
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,911
−HK$1,216/mo
Today · 4.125%
HK$47,127
baseline
▲ 0.50% · 4.625%
HK$49,611
+HK$2,484/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$94,254/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,889
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,347
−HK$1,482/mo
Today · 4.125%
HK$49,829
baseline
▲ 0.50% · 4.625%
HK$52,861
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,658/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,163
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,562
−HK$1,420/mo
Today · 4.125%
HK$54,982
baseline
▲ 0.50% · 4.625%
HK$57,880
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,964/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,286
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,161
−HK$1,905/mo
Today · 4.125%
HK$64,066
baseline
▲ 0.50% · 4.625%
HK$67,964
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,132/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,067
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,866
−HK$1,825/mo
Today · 4.125%
HK$70,691
baseline
▲ 0.50% · 4.625%
HK$74,417
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,382/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,794 · Scale 2, in force from 26 Feb 2026)