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$33,526
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,568
−HK$1,060/mo
Today · 4.125%
HK$35,628
baseline
▲ 0.50% · 4.625%
HK$37,796
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,256/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,297
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,015/mo
Today · 4.125%
HK$39,312
baseline
▲ 0.50% · 4.625%
HK$41,384
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,624/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,231
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,482
−HK$1,272/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,355
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,756
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,957
−HK$1,217/mo
Today · 4.125%
HK$47,174
baseline
▲ 0.50% · 4.625%
HK$49,661
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,348/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,936
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,396
−HK$1,483/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,914
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,216
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,616
−HK$1,421/mo
Today · 4.125%
HK$55,037
baseline
▲ 0.50% · 4.625%
HK$57,938
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,074/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,346
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,223
−HK$1,907/mo
Today · 4.125%
HK$64,130
baseline
▲ 0.50% · 4.625%
HK$68,033
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,260/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,134
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,935
−HK$1,827/mo
Today · 4.125%
HK$70,762
baseline
▲ 0.50% · 4.625%
HK$74,491
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,524/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,347 · Scale 2, in force from 26 Feb 2026)