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$33,481
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,522
−HK$1,058/mo
Today · 4.125%
HK$35,580
baseline
▲ 0.50% · 4.625%
HK$37,745
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,160/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,247
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,246
−HK$1,013/mo
Today · 4.125%
HK$39,259
baseline
▲ 0.50% · 4.625%
HK$41,329
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,518/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,177
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,427
−HK$1,269/mo
Today · 4.125%
HK$42,696
baseline
▲ 0.50% · 4.625%
HK$45,294
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,392/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,697
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,895
−HK$1,216/mo
Today · 4.125%
HK$47,111
baseline
▲ 0.50% · 4.625%
HK$49,595
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,222/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,873
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,331
−HK$1,482/mo
Today · 4.125%
HK$49,813
baseline
▲ 0.50% · 4.625%
HK$52,844
+HK$3,031/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$99,626/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,146
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,544
−HK$1,419/mo
Today · 4.125%
HK$54,963
baseline
▲ 0.50% · 4.625%
HK$57,860
+HK$2,897/mo
Deposit HK$4.40M · loan HK$10.28M · min. income ≈ HK$109,926/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,266
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,140
−HK$1,905/mo
Today · 4.125%
HK$64,045
baseline
▲ 0.50% · 4.625%
HK$67,942
+HK$3,897/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,090/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,045
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,843
−HK$1,824/mo
Today · 4.125%
HK$70,667
baseline
▲ 0.50% · 4.625%
HK$74,392
+HK$3,725/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,334/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,611 · Scale 2, in force from 26 Feb 2026)