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$33,507
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,549
−HK$1,059/mo
Today · 4.125%
HK$35,608
baseline
▲ 0.50% · 4.625%
HK$37,774
+HK$2,166/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,216/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,276
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,275
−HK$1,015/mo
Today · 4.125%
HK$39,290
baseline
▲ 0.50% · 4.625%
HK$41,361
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,580/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,208
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,459
−HK$1,270/mo
Today · 4.125%
HK$42,729
baseline
▲ 0.50% · 4.625%
HK$45,329
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,458/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,731
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,931
−HK$1,217/mo
Today · 4.125%
HK$47,148
baseline
▲ 0.50% · 4.625%
HK$49,633
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,296/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,909
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,368
−HK$1,483/mo
Today · 4.125%
HK$49,851
baseline
▲ 0.50% · 4.625%
HK$52,884
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,702/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,186
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,586
−HK$1,419/mo
Today · 4.125%
HK$55,005
baseline
▲ 0.50% · 4.625%
HK$57,905
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,010/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,312
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,188
−HK$1,906/mo
Today · 4.125%
HK$64,094
baseline
▲ 0.50% · 4.625%
HK$67,994
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,188/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,096
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,896
−HK$1,825/mo
Today · 4.125%
HK$70,721
baseline
▲ 0.50% · 4.625%
HK$74,449
+HK$3,728/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,442/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,034 · Scale 2, in force from 26 Feb 2026)