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$33,555
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,599
−HK$1,061/mo
Today · 4.125%
HK$35,660
baseline
▲ 0.50% · 4.625%
HK$37,829
+HK$2,169/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,320/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,330
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,331
−HK$1,016/mo
Today · 4.125%
HK$39,347
baseline
▲ 0.50% · 4.625%
HK$41,421
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,694/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,266
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,273/mo
Today · 4.125%
HK$42,792
baseline
▲ 0.50% · 4.625%
HK$45,395
+HK$2,603/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,584/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,796
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,997
−HK$1,219/mo
Today · 4.125%
HK$47,216
baseline
▲ 0.50% · 4.625%
HK$49,705
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,432/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,978
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,439
−HK$1,484/mo
Today · 4.125%
HK$49,923
baseline
▲ 0.50% · 4.625%
HK$52,961
+HK$3,038/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,846/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,262
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,664
−HK$1,422/mo
Today · 4.125%
HK$55,086
baseline
▲ 0.50% · 4.625%
HK$57,989
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,172/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,400
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,278
−HK$1,909/mo
Today · 4.125%
HK$64,187
baseline
▲ 0.50% · 4.625%
HK$68,093
+HK$3,906/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,374/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,194
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,996
−HK$1,828/mo
Today · 4.125%
HK$70,824
baseline
▲ 0.50% · 4.625%
HK$74,558
+HK$3,734/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,648/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,836 · Scale 2, in force from 26 Feb 2026)