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$33,542
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,585
−HK$1,060/mo
Today · 4.125%
HK$35,645
baseline
▲ 0.50% · 4.625%
HK$37,814
+HK$2,169/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,290/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,315
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,316
−HK$1,015/mo
Today · 4.125%
HK$39,331
baseline
▲ 0.50% · 4.625%
HK$41,404
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,662/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,250
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,502
−HK$1,272/mo
Today · 4.125%
HK$42,774
baseline
▲ 0.50% · 4.625%
HK$45,377
+HK$2,603/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$85,548/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,778
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,979
−HK$1,218/mo
Today · 4.125%
HK$47,197
baseline
▲ 0.50% · 4.625%
HK$49,685
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$94,394/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,959
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,419
−HK$1,485/mo
Today · 4.125%
HK$49,904
baseline
▲ 0.50% · 4.625%
HK$52,940
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,808/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,241
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,642
−HK$1,422/mo
Today · 4.125%
HK$55,064
baseline
▲ 0.50% · 4.625%
HK$57,966
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,128/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,376
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,254
−HK$1,908/mo
Today · 4.125%
HK$64,162
baseline
▲ 0.50% · 4.625%
HK$68,066
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,324/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,167
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,969
−HK$1,827/mo
Today · 4.125%
HK$70,796
baseline
▲ 0.50% · 4.625%
HK$74,528
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,592/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,616 · Scale 2, in force from 26 Feb 2026)