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$33,522
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,564
−HK$1,060/mo
Today · 4.125%
HK$35,624
baseline
▲ 0.50% · 4.625%
HK$37,791
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,248/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,292
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,292
−HK$1,015/mo
Today · 4.125%
HK$39,307
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,614/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,226
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,477
−HK$1,271/mo
Today · 4.125%
HK$42,748
baseline
▲ 0.50% · 4.625%
HK$45,349
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,496/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,751
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,951
−HK$1,218/mo
Today · 4.125%
HK$47,169
baseline
▲ 0.50% · 4.625%
HK$49,655
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,338/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,930
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,390
−HK$1,483/mo
Today · 4.125%
HK$49,873
baseline
▲ 0.50% · 4.625%
HK$52,908
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,746/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,209
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,609
−HK$1,421/mo
Today · 4.125%
HK$55,030
baseline
▲ 0.50% · 4.625%
HK$57,931
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,060/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,339
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,216
−HK$1,906/mo
Today · 4.125%
HK$64,122
baseline
▲ 0.50% · 4.625%
HK$68,024
+HK$3,902/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,244/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,926
−HK$1,827/mo
Today · 4.125%
HK$70,753
baseline
▲ 0.50% · 4.625%
HK$74,482
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,506/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,279 · Scale 2, in force from 26 Feb 2026)