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$33,473
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,515
−HK$1,058/mo
Today · 4.125%
HK$35,573
baseline
▲ 0.50% · 4.625%
HK$37,737
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,146/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,239
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,238
−HK$1,013/mo
Today · 4.125%
HK$39,251
baseline
▲ 0.50% · 4.625%
HK$41,320
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,502/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,168
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,418
−HK$1,269/mo
Today · 4.125%
HK$42,687
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,597/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,374/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,687
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,885
−HK$1,216/mo
Today · 4.125%
HK$47,101
baseline
▲ 0.50% · 4.625%
HK$49,584
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,202/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,863
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,320
−HK$1,482/mo
Today · 4.125%
HK$49,802
baseline
▲ 0.50% · 4.625%
HK$52,832
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$99,604/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,134
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,533
−HK$1,418/mo
Today · 4.125%
HK$54,951
baseline
▲ 0.50% · 4.625%
HK$57,848
+HK$2,897/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$109,902/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,252
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,126
−HK$1,905/mo
Today · 4.125%
HK$64,031
baseline
▲ 0.50% · 4.625%
HK$67,927
+HK$3,896/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,062/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,030
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,828
−HK$1,823/mo
Today · 4.125%
HK$70,651
baseline
▲ 0.50% · 4.625%
HK$74,375
+HK$3,724/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,302/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,488 · Scale 2, in force from 26 Feb 2026)