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$33,497
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,539
−HK$1,058/mo
Today · 4.125%
HK$35,597
baseline
▲ 0.50% · 4.625%
HK$37,763
+HK$2,166/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,194/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,265
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,264
−HK$1,014/mo
Today · 4.125%
HK$39,278
baseline
▲ 0.50% · 4.625%
HK$41,349
+HK$2,071/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,556/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,196
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,446
−HK$1,271/mo
Today · 4.125%
HK$42,717
baseline
▲ 0.50% · 4.625%
HK$45,316
+HK$2,599/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$85,434/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,718
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,917
−HK$1,217/mo
Today · 4.125%
HK$47,134
baseline
▲ 0.50% · 4.625%
HK$49,618
+HK$2,484/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$94,268/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,896
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,354
−HK$1,482/mo
Today · 4.125%
HK$49,836
baseline
▲ 0.50% · 4.625%
HK$52,869
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,672/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,171
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,570
−HK$1,419/mo
Today · 4.125%
HK$54,989
baseline
▲ 0.50% · 4.625%
HK$57,888
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,978/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,294
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,170
−HK$1,905/mo
Today · 4.125%
HK$64,075
baseline
▲ 0.50% · 4.625%
HK$67,974
+HK$3,899/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,150/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,077
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,876
−HK$1,825/mo
Today · 4.125%
HK$70,701
baseline
▲ 0.50% · 4.625%
HK$74,427
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,402/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,873 · Scale 2, in force from 26 Feb 2026)