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$33,478
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$1,058/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,742
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,244
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,243
−HK$1,013/mo
Today · 4.125%
HK$39,256
baseline
▲ 0.50% · 4.625%
HK$41,326
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,512/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,424
−HK$1,269/mo
Today · 4.125%
HK$42,693
baseline
▲ 0.50% · 4.625%
HK$45,291
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,386/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,693
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,892
−HK$1,216/mo
Today · 4.125%
HK$47,108
baseline
▲ 0.50% · 4.625%
HK$49,591
+HK$2,483/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,216/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,870
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,327
−HK$1,482/mo
Today · 4.125%
HK$49,809
baseline
▲ 0.50% · 4.625%
HK$52,839
+HK$3,030/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$99,618/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,142
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,540
−HK$1,419/mo
Today · 4.125%
HK$54,959
baseline
▲ 0.50% · 4.625%
HK$57,856
+HK$2,897/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$109,918/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,261
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,135
−HK$1,905/mo
Today · 4.125%
HK$64,040
baseline
▲ 0.50% · 4.625%
HK$67,936
+HK$3,896/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,080/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,040
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,837
−HK$1,824/mo
Today · 4.125%
HK$70,661
baseline
▲ 0.50% · 4.625%
HK$74,386
+HK$3,725/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,322/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,567 · Scale 2, in force from 26 Feb 2026)