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$33,534
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,578
−HK$1,059/mo
Today · 4.125%
HK$35,637
baseline
▲ 0.50% · 4.625%
HK$37,806
+HK$2,169/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,274/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,307
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,307
−HK$1,015/mo
Today · 4.125%
HK$39,322
baseline
▲ 0.50% · 4.625%
HK$41,395
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,644/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,241
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,493
−HK$1,272/mo
Today · 4.125%
HK$42,765
baseline
▲ 0.50% · 4.625%
HK$45,367
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,530/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,768
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,218/mo
Today · 4.125%
HK$47,187
baseline
▲ 0.50% · 4.625%
HK$49,674
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,374/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,948
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,409
−HK$1,483/mo
Today · 4.125%
HK$49,892
baseline
▲ 0.50% · 4.625%
HK$52,928
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,784/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,229
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,630
−HK$1,421/mo
Today · 4.125%
HK$55,051
baseline
▲ 0.50% · 4.625%
HK$57,953
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,102/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,362
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,240
−HK$1,907/mo
Today · 4.125%
HK$64,147
baseline
▲ 0.50% · 4.625%
HK$68,051
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,294/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,152
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,953
−HK$1,827/mo
Today · 4.125%
HK$70,780
baseline
▲ 0.50% · 4.625%
HK$74,511
+HK$3,731/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,560/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,493 · Scale 2, in force from 26 Feb 2026)