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$33,503
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,546
−HK$1,058/mo
Today · 4.125%
HK$35,604
baseline
▲ 0.50% · 4.625%
HK$37,771
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,208/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,272
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,272
−HK$1,014/mo
Today · 4.125%
HK$39,286
baseline
▲ 0.50% · 4.625%
HK$41,357
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,572/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,204
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,455
−HK$1,270/mo
Today · 4.125%
HK$42,725
baseline
▲ 0.50% · 4.625%
HK$45,325
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,450/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,727
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,926
−HK$1,217/mo
Today · 4.125%
HK$47,143
baseline
▲ 0.50% · 4.625%
HK$49,628
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,286/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,905
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,364
−HK$1,482/mo
Today · 4.125%
HK$49,846
baseline
▲ 0.50% · 4.625%
HK$52,879
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,692/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,181
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,581
−HK$1,419/mo
Today · 4.125%
HK$55,000
baseline
▲ 0.50% · 4.625%
HK$57,899
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$110,000/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,306
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,182
−HK$1,906/mo
Today · 4.125%
HK$64,088
baseline
▲ 0.50% · 4.625%
HK$67,988
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,176/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,090
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,889
−HK$1,826/mo
Today · 4.125%
HK$70,715
baseline
▲ 0.50% · 4.625%
HK$74,442
+HK$3,727/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,430/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,982 · Scale 2, in force from 26 Feb 2026)