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$33,489
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,531
−HK$1,059/mo
Today · 4.125%
HK$35,590
baseline
▲ 0.50% · 4.625%
HK$37,755
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,180/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,257
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,256
−HK$1,014/mo
Today · 4.125%
HK$39,270
baseline
▲ 0.50% · 4.625%
HK$41,339
+HK$2,069/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,540/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,187
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,437
−HK$1,270/mo
Today · 4.125%
HK$42,707
baseline
▲ 0.50% · 4.625%
HK$45,306
+HK$2,599/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,414/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,708
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,907
−HK$1,216/mo
Today · 4.125%
HK$47,123
baseline
▲ 0.50% · 4.625%
HK$49,607
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,246/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,885
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,344
−HK$1,481/mo
Today · 4.125%
HK$49,825
baseline
▲ 0.50% · 4.625%
HK$52,857
+HK$3,032/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,650/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,159
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,558
−HK$1,419/mo
Today · 4.125%
HK$54,977
baseline
▲ 0.50% · 4.625%
HK$57,875
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,954/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,281
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,156
−HK$1,905/mo
Today · 4.125%
HK$64,061
baseline
▲ 0.50% · 4.625%
HK$67,959
+HK$3,898/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,122/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,062
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,861
−HK$1,824/mo
Today · 4.125%
HK$70,685
baseline
▲ 0.50% · 4.625%
HK$74,411
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,370/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,752 · Scale 2, in force from 26 Feb 2026)