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$33,558
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,602
−HK$1,061/mo
Today · 4.125%
HK$35,663
baseline
▲ 0.50% · 4.625%
HK$37,833
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,326/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,333
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,335
−HK$1,015/mo
Today · 4.125%
HK$39,350
baseline
▲ 0.50% · 4.625%
HK$41,424
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,700/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,270
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,523
−HK$1,272/mo
Today · 4.125%
HK$42,795
baseline
▲ 0.50% · 4.625%
HK$45,399
+HK$2,604/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,590/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,800
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$46,001
−HK$1,219/mo
Today · 4.125%
HK$47,220
baseline
▲ 0.50% · 4.625%
HK$49,709
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,440/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,982
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,443
−HK$1,485/mo
Today · 4.125%
HK$49,928
baseline
▲ 0.50% · 4.625%
HK$52,966
+HK$3,038/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$99,856/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,267
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,668
−HK$1,422/mo
Today · 4.125%
HK$55,090
baseline
▲ 0.50% · 4.625%
HK$57,994
+HK$2,904/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$110,180/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,405
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,284
−HK$1,909/mo
Today · 4.125%
HK$64,193
baseline
▲ 0.50% · 4.625%
HK$68,099
+HK$3,906/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,386/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,200
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$69,002
−HK$1,828/mo
Today · 4.125%
HK$70,830
baseline
▲ 0.50% · 4.625%
HK$74,564
+HK$3,734/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,660/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,884 · Scale 2, in force from 26 Feb 2026)