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$33,453
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,494
−HK$1,057/mo
Today · 4.125%
HK$35,551
baseline
▲ 0.50% · 4.625%
HK$37,714
+HK$2,163/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,102/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,216
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,215
−HK$1,012/mo
Today · 4.125%
HK$39,227
baseline
▲ 0.50% · 4.625%
HK$41,295
+HK$2,068/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,454/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,144
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,393
−HK$1,268/mo
Today · 4.125%
HK$42,661
baseline
▲ 0.50% · 4.625%
HK$45,257
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,322/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,660
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,857
−HK$1,215/mo
Today · 4.125%
HK$47,072
baseline
▲ 0.50% · 4.625%
HK$49,554
+HK$2,482/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,144/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,291
−HK$1,480/mo
Today · 4.125%
HK$49,771
baseline
▲ 0.50% · 4.625%
HK$52,800
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,542/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,103
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,500
−HK$1,418/mo
Today · 4.125%
HK$54,918
baseline
▲ 0.50% · 4.625%
HK$57,813
+HK$2,895/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,836/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,216
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,089
−HK$1,903/mo
Today · 4.125%
HK$63,992
baseline
▲ 0.50% · 4.625%
HK$67,886
+HK$3,894/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,984/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,990
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,786
−HK$1,823/mo
Today · 4.125%
HK$70,609
baseline
▲ 0.50% · 4.625%
HK$74,331
+HK$3,722/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,218/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,156 · Scale 2, in force from 26 Feb 2026)