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$2,101/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$1,059/mo
Today · 4.125%
HK$35,596
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$2,166/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,192/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,846 · 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$41,347
+HK$2,071/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$550,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,194
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,444
−HK$1,271/mo
Today · 4.125%
HK$42,715
baseline
▲ 0.50% · 4.625%
HK$45,314
+HK$2,599/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$85,430/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,716
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,915
−HK$1,216/mo
Today · 4.125%
HK$47,131
baseline
▲ 0.50% · 4.625%
HK$49,616
+HK$2,485/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$550,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,893
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,352
−HK$1,482/mo
Today · 4.125%
HK$49,834
baseline
▲ 0.50% · 4.625%
HK$52,866
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,668/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,168
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,567
−HK$1,420/mo
Today · 4.125%
HK$54,987
baseline
▲ 0.50% · 4.625%
HK$57,885
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,974/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,291
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,167
−HK$1,905/mo
Today · 4.125%
HK$64,072
baseline
▲ 0.50% · 4.625%
HK$67,971
+HK$3,899/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,144/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,073
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,872
−HK$1,825/mo
Today · 4.125%
HK$70,697
baseline
▲ 0.50% · 4.625%
HK$74,424
+HK$3,727/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,394/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,846 · Scale 2, in force from 26 Feb 2026)