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$33,582
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,627
−HK$1,061/mo
Today · 4.125%
HK$35,688
baseline
▲ 0.50% · 4.625%
HK$37,860
+HK$2,172/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,376/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,360
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,362
−HK$1,016/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,454
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,299
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,552
−HK$1,274/mo
Today · 4.125%
HK$42,826
baseline
▲ 0.50% · 4.625%
HK$45,432
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,652/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,832
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,034
−HK$1,220/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$49,745
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,508/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,015
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,478
−HK$1,485/mo
Today · 4.125%
HK$49,963
baseline
▲ 0.50% · 4.625%
HK$53,003
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,926/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,304
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,707
−HK$1,423/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,036
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,448
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,328
−HK$1,911/mo
Today · 4.125%
HK$64,239
baseline
▲ 0.50% · 4.625%
HK$68,147
+HK$3,908/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,478/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,248
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,051
−HK$1,830/mo
Today · 4.125%
HK$70,881
baseline
▲ 0.50% · 4.625%
HK$74,617
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,762/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,277 · Scale 2, in force from 26 Feb 2026)