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$33,505
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,547
−HK$1,059/mo
Today · 4.125%
HK$35,606
baseline
▲ 0.50% · 4.625%
HK$37,772
+HK$2,166/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,212/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,274
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,273
−HK$1,014/mo
Today · 4.125%
HK$39,287
baseline
▲ 0.50% · 4.625%
HK$41,358
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,574/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,206
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,456
−HK$1,271/mo
Today · 4.125%
HK$42,727
baseline
▲ 0.50% · 4.625%
HK$45,327
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,454/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,728
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,928
−HK$1,217/mo
Today · 4.125%
HK$47,145
baseline
▲ 0.50% · 4.625%
HK$49,630
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,290/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,907
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,366
−HK$1,482/mo
Today · 4.125%
HK$49,848
baseline
▲ 0.50% · 4.625%
HK$52,881
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,696/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,183
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,583
−HK$1,419/mo
Today · 4.125%
HK$55,002
baseline
▲ 0.50% · 4.625%
HK$57,902
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,004/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,308
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,184
−HK$1,906/mo
Today · 4.125%
HK$64,090
baseline
▲ 0.50% · 4.625%
HK$67,990
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,180/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,093
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,892
−HK$1,825/mo
Today · 4.125%
HK$70,717
baseline
▲ 0.50% · 4.625%
HK$74,445
+HK$3,728/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,434/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,003 · Scale 2, in force from 26 Feb 2026)