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$33,571
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,615
−HK$1,061/mo
Today · 4.125%
HK$35,676
baseline
▲ 0.50% · 4.625%
HK$37,847
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,352/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,347
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,349
−HK$1,016/mo
Today · 4.125%
HK$39,365
baseline
▲ 0.50% · 4.625%
HK$41,440
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,730/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,285
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,538
−HK$1,273/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,416
+HK$2,605/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,817
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,019
−HK$1,219/mo
Today · 4.125%
HK$47,238
baseline
▲ 0.50% · 4.625%
HK$49,728
+HK$2,490/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,476/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,999
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,461
−HK$1,485/mo
Today · 4.125%
HK$49,946
baseline
▲ 0.50% · 4.625%
HK$52,985
+HK$3,039/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,892/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,286
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,688
−HK$1,423/mo
Today · 4.125%
HK$55,111
baseline
▲ 0.50% · 4.625%
HK$58,016
+HK$2,905/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,222/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,427
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,307
−HK$1,910/mo
Today · 4.125%
HK$64,217
baseline
▲ 0.50% · 4.625%
HK$68,124
+HK$3,907/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,434/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,225
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,028
−HK$1,829/mo
Today · 4.125%
HK$70,857
baseline
▲ 0.50% · 4.625%
HK$74,592
+HK$3,735/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,714/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,089 · Scale 2, in force from 26 Feb 2026)