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$33,521
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,564
−HK$1,059/mo
Today · 4.125%
HK$35,623
baseline
▲ 0.50% · 4.625%
HK$37,791
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,246/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,292
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,292
−HK$1,015/mo
Today · 4.125%
HK$39,307
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,614/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,226
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,477
−HK$1,271/mo
Today · 4.125%
HK$42,748
baseline
▲ 0.50% · 4.625%
HK$45,349
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,496/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,751
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,951
−HK$1,217/mo
Today · 4.125%
HK$47,168
baseline
▲ 0.50% · 4.625%
HK$49,655
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,336/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,930
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,390
−HK$1,483/mo
Today · 4.125%
HK$49,873
baseline
▲ 0.50% · 4.625%
HK$52,907
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,746/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,209
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,609
−HK$1,421/mo
Today · 4.125%
HK$55,030
baseline
▲ 0.50% · 4.625%
HK$57,930
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,060/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,338
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,215
−HK$1,907/mo
Today · 4.125%
HK$64,122
baseline
▲ 0.50% · 4.625%
HK$68,024
+HK$3,902/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,244/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,926
−HK$1,826/mo
Today · 4.125%
HK$70,752
baseline
▲ 0.50% · 4.625%
HK$74,482
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,504/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,276 · Scale 2, in force from 26 Feb 2026)