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$33,575
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,620
−HK$1,061/mo
Today · 4.125%
HK$35,681
baseline
▲ 0.50% · 4.625%
HK$37,852
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,362/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,352
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,354
−HK$1,016/mo
Today · 4.125%
HK$39,370
baseline
▲ 0.50% · 4.625%
HK$41,446
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,740/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,290
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,544
−HK$1,273/mo
Today · 4.125%
HK$42,817
baseline
▲ 0.50% · 4.625%
HK$45,422
+HK$2,605/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,634/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,823
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,025
−HK$1,219/mo
Today · 4.125%
HK$47,244
baseline
▲ 0.50% · 4.625%
HK$49,735
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,488/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,005
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,468
−HK$1,485/mo
Today · 4.125%
HK$49,953
baseline
▲ 0.50% · 4.625%
HK$52,993
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,906/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,293
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,696
−HK$1,422/mo
Today · 4.125%
HK$55,118
baseline
▲ 0.50% · 4.625%
HK$58,024
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,236/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,436
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,910/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,908/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,234
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,037
−HK$1,829/mo
Today · 4.125%
HK$70,866
baseline
▲ 0.50% · 4.625%
HK$74,602
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,732/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,164 · Scale 2, in force from 26 Feb 2026)