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$33,562
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,606
−HK$1,061/mo
Today · 4.125%
HK$35,667
baseline
▲ 0.50% · 4.625%
HK$37,837
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,334/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,337
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,339
−HK$1,016/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,429
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,274
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,527
−HK$1,273/mo
Today · 4.125%
HK$42,800
baseline
▲ 0.50% · 4.625%
HK$45,404
+HK$2,604/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,600/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,805
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,007
−HK$1,219/mo
Today · 4.125%
HK$47,226
baseline
▲ 0.50% · 4.625%
HK$49,715
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,452/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,987
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,448
−HK$1,485/mo
Today · 4.125%
HK$49,933
baseline
▲ 0.50% · 4.625%
HK$52,972
+HK$3,039/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$99,866/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,272
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,674
−HK$1,423/mo
Today · 4.125%
HK$55,097
baseline
▲ 0.50% · 4.625%
HK$58,001
+HK$2,904/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$110,194/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,412
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,291
−HK$1,909/mo
Today · 4.125%
HK$64,200
baseline
▲ 0.50% · 4.625%
HK$68,106
+HK$3,906/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,400/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,207
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,010
−HK$1,828/mo
Today · 4.125%
HK$70,838
baseline
▲ 0.50% · 4.625%
HK$74,572
+HK$3,734/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,676/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,946 · Scale 2, in force from 26 Feb 2026)