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$33,537
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,580
−HK$1,060/mo
Today · 4.125%
HK$35,640
baseline
▲ 0.50% · 4.625%
HK$37,808
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,280/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,309
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,310
−HK$1,015/mo
Today · 4.125%
HK$39,325
baseline
▲ 0.50% · 4.625%
HK$41,398
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,650/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,244
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,496
−HK$1,272/mo
Today · 4.125%
HK$42,768
baseline
▲ 0.50% · 4.625%
HK$45,370
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,536/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,771
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,972
−HK$1,218/mo
Today · 4.125%
HK$47,190
baseline
▲ 0.50% · 4.625%
HK$49,677
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,380/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,951
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,412
−HK$1,484/mo
Today · 4.125%
HK$49,896
baseline
▲ 0.50% · 4.625%
HK$52,932
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,792/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,233
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,634
−HK$1,421/mo
Today · 4.125%
HK$55,055
baseline
▲ 0.50% · 4.625%
HK$57,957
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,110/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,366
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,244
−HK$1,907/mo
Today · 4.125%
HK$64,151
baseline
▲ 0.50% · 4.625%
HK$68,055
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,302/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,157
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,958
−HK$1,827/mo
Today · 4.125%
HK$70,785
baseline
▲ 0.50% · 4.625%
HK$74,516
+HK$3,731/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,570/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,528 · Scale 2, in force from 26 Feb 2026)