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$33,476
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,518
−HK$1,058/mo
Today · 4.125%
HK$35,576
baseline
▲ 0.50% · 4.625%
HK$37,740
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,152/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,242
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,241
−HK$1,013/mo
Today · 4.125%
HK$39,254
baseline
▲ 0.50% · 4.625%
HK$41,323
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,508/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,172
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,421
−HK$1,270/mo
Today · 4.125%
HK$42,691
baseline
▲ 0.50% · 4.625%
HK$45,288
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,382/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,690
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,889
−HK$1,216/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,588
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,867
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,325
−HK$1,481/mo
Today · 4.125%
HK$49,806
baseline
▲ 0.50% · 4.625%
HK$52,836
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$99,612/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,139
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,537
−HK$1,419/mo
Today · 4.125%
HK$54,956
baseline
▲ 0.50% · 4.625%
HK$57,853
+HK$2,897/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$109,912/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,257
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,132
−HK$1,904/mo
Today · 4.125%
HK$64,036
baseline
▲ 0.50% · 4.625%
HK$67,932
+HK$3,896/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,072/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,036
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,834
−HK$1,823/mo
Today · 4.125%
HK$70,657
baseline
▲ 0.50% · 4.625%
HK$74,382
+HK$3,725/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,314/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,536 · Scale 2, in force from 26 Feb 2026)