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$33,498
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$1,058/mo
Today · 4.125%
HK$35,598
baseline
▲ 0.50% · 4.625%
HK$37,764
+HK$2,166/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,196/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,266
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,265
−HK$1,014/mo
Today · 4.125%
HK$39,279
baseline
▲ 0.50% · 4.625%
HK$41,350
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,558/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,197
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,448
−HK$1,270/mo
Today · 4.125%
HK$42,718
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,599/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$85,436/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,719
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,217/mo
Today · 4.125%
HK$47,135
baseline
▲ 0.50% · 4.625%
HK$49,620
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$94,270/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,897
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,356
−HK$1,482/mo
Today · 4.125%
HK$49,838
baseline
▲ 0.50% · 4.625%
HK$52,870
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,676/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,172
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,572
−HK$1,419/mo
Today · 4.125%
HK$54,991
baseline
▲ 0.50% · 4.625%
HK$57,890
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,982/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,296
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,172
−HK$1,905/mo
Today · 4.125%
HK$64,077
baseline
▲ 0.50% · 4.625%
HK$67,976
+HK$3,899/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,154/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,079
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,878
−HK$1,825/mo
Today · 4.125%
HK$70,703
baseline
▲ 0.50% · 4.625%
HK$74,430
+HK$3,727/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,406/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,889 · Scale 2, in force from 26 Feb 2026)