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$33,545
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,589
−HK$1,060/mo
Today · 4.125%
HK$35,649
baseline
▲ 0.50% · 4.625%
HK$37,818
+HK$2,169/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,298/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,319
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,319
−HK$1,016/mo
Today · 4.125%
HK$39,335
baseline
▲ 0.50% · 4.625%
HK$41,408
+HK$2,073/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,670/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,254
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,506
−HK$1,272/mo
Today · 4.125%
HK$42,778
baseline
▲ 0.50% · 4.625%
HK$45,381
+HK$2,603/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$85,556/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,782
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,983
−HK$1,219/mo
Today · 4.125%
HK$47,202
baseline
▲ 0.50% · 4.625%
HK$49,690
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$94,404/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,963
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,424
−HK$1,484/mo
Today · 4.125%
HK$49,908
baseline
▲ 0.50% · 4.625%
HK$52,945
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,816/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,246
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,647
−HK$1,422/mo
Today · 4.125%
HK$55,069
baseline
▲ 0.50% · 4.625%
HK$57,971
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,138/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,381
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,259
−HK$1,909/mo
Today · 4.125%
HK$64,168
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,336/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,173
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,975
−HK$1,828/mo
Today · 4.125%
HK$70,803
baseline
▲ 0.50% · 4.625%
HK$74,535
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,606/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,667 · Scale 2, in force from 26 Feb 2026)