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$33,552
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,596
−HK$1,060/mo
Today · 4.125%
HK$35,656
baseline
▲ 0.50% · 4.625%
HK$37,826
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,312/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,327
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,328
−HK$1,015/mo
Today · 4.125%
HK$39,343
baseline
▲ 0.50% · 4.625%
HK$41,417
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,686/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,263
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,515
−HK$1,273/mo
Today · 4.125%
HK$42,788
baseline
▲ 0.50% · 4.625%
HK$45,391
+HK$2,603/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,576/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,792
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,993
−HK$1,219/mo
Today · 4.125%
HK$47,212
baseline
▲ 0.50% · 4.625%
HK$49,701
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,424/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,973
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,435
−HK$1,484/mo
Today · 4.125%
HK$49,919
baseline
▲ 0.50% · 4.625%
HK$52,957
+HK$3,038/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,838/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,257
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,422/mo
Today · 4.125%
HK$55,081
baseline
▲ 0.50% · 4.625%
HK$57,984
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,162/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,394
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,273
−HK$1,909/mo
Today · 4.125%
HK$64,182
baseline
▲ 0.50% · 4.625%
HK$68,087
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,364/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,188
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,990
−HK$1,828/mo
Today · 4.125%
HK$70,818
baseline
▲ 0.50% · 4.625%
HK$74,551
+HK$3,733/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,636/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,788 · Scale 2, in force from 26 Feb 2026)