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$33,566
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,610
−HK$1,061/mo
Today · 4.125%
HK$35,671
baseline
▲ 0.50% · 4.625%
HK$37,841
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,342/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,342
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,343
−HK$1,016/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,434
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,279
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,532
−HK$1,273/mo
Today · 4.125%
HK$42,805
baseline
▲ 0.50% · 4.625%
HK$45,409
+HK$2,604/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,610/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,810
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,012
−HK$1,219/mo
Today · 4.125%
HK$47,231
baseline
▲ 0.50% · 4.625%
HK$49,721
+HK$2,490/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,462/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,992
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,454
−HK$1,485/mo
Today · 4.125%
HK$49,939
baseline
▲ 0.50% · 4.625%
HK$52,978
+HK$3,039/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$99,878/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,278
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,680
−HK$1,423/mo
Today · 4.125%
HK$55,103
baseline
▲ 0.50% · 4.625%
HK$58,007
+HK$2,904/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$110,206/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,419
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,298
−HK$1,909/mo
Today · 4.125%
HK$64,207
baseline
▲ 0.50% · 4.625%
HK$68,114
+HK$3,907/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,414/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,215
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,018
−HK$1,828/mo
Today · 4.125%
HK$70,846
baseline
▲ 0.50% · 4.625%
HK$74,581
+HK$3,735/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,692/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,009 · Scale 2, in force from 26 Feb 2026)