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$33,550
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,594
−HK$1,060/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,824
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,325
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,326
−HK$1,015/mo
Today · 4.125%
HK$39,341
baseline
▲ 0.50% · 4.625%
HK$41,415
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,682/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,261
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,513
−HK$1,272/mo
Today · 4.125%
HK$42,785
baseline
▲ 0.50% · 4.625%
HK$45,389
+HK$2,604/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,570/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,789
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,991
−HK$1,218/mo
Today · 4.125%
HK$47,209
baseline
▲ 0.50% · 4.625%
HK$49,698
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,418/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,971
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,432
−HK$1,484/mo
Today · 4.125%
HK$49,916
baseline
▲ 0.50% · 4.625%
HK$52,953
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,832/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,254
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,656
−HK$1,422/mo
Today · 4.125%
HK$55,078
baseline
▲ 0.50% · 4.625%
HK$57,981
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,156/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,391
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,269
−HK$1,909/mo
Today · 4.125%
HK$64,178
baseline
▲ 0.50% · 4.625%
HK$68,083
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,356/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,184
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,986
−HK$1,828/mo
Today · 4.125%
HK$70,814
baseline
▲ 0.50% · 4.625%
HK$74,547
+HK$3,733/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,628/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,755 · Scale 2, in force from 26 Feb 2026)