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$33,579
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,624
−HK$1,061/mo
Today · 4.125%
HK$35,685
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,370/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,357
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,359
−HK$1,016/mo
Today · 4.125%
HK$39,375
baseline
▲ 0.50% · 4.625%
HK$41,450
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,750/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,295
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,549
−HK$1,273/mo
Today · 4.125%
HK$42,822
baseline
▲ 0.50% · 4.625%
HK$45,428
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,644/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,828
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,030
−HK$1,220/mo
Today · 4.125%
HK$47,250
baseline
▲ 0.50% · 4.625%
HK$49,741
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,500/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,011
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,473
−HK$1,486/mo
Today · 4.125%
HK$49,959
baseline
▲ 0.50% · 4.625%
HK$52,999
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,918/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,299
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,702
−HK$1,423/mo
Today · 4.125%
HK$55,125
baseline
▲ 0.50% · 4.625%
HK$58,031
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,250/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,443
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,323
−HK$1,910/mo
Today · 4.125%
HK$64,233
baseline
▲ 0.50% · 4.625%
HK$68,142
+HK$3,909/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,466/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,242
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,045
−HK$1,830/mo
Today · 4.125%
HK$70,875
baseline
▲ 0.50% · 4.625%
HK$74,611
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,750/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,230 · Scale 2, in force from 26 Feb 2026)