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$33,513
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,555
−HK$1,059/mo
Today · 4.125%
HK$35,614
baseline
▲ 0.50% · 4.625%
HK$37,782
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,228/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,283
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,283
−HK$1,014/mo
Today · 4.125%
HK$39,297
baseline
▲ 0.50% · 4.625%
HK$41,368
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,594/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,216
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,466
−HK$1,271/mo
Today · 4.125%
HK$42,737
baseline
▲ 0.50% · 4.625%
HK$45,338
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,474/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,739
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,939
−HK$1,217/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$49,642
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,918
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,378
−HK$1,482/mo
Today · 4.125%
HK$49,860
baseline
▲ 0.50% · 4.625%
HK$52,894
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,720/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,196
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,596
−HK$1,420/mo
Today · 4.125%
HK$55,016
baseline
▲ 0.50% · 4.625%
HK$57,916
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,032/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,323
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,200
−HK$1,906/mo
Today · 4.125%
HK$64,106
baseline
▲ 0.50% · 4.625%
HK$68,007
+HK$3,901/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,212/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,109
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,909
−HK$1,826/mo
Today · 4.125%
HK$70,735
baseline
▲ 0.50% · 4.625%
HK$74,463
+HK$3,728/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,470/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,138 · Scale 2, in force from 26 Feb 2026)