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$33,529
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$1,059/mo
Today · 4.125%
HK$35,631
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,262/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,015/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,235
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,486
−HK$1,272/mo
Today · 4.125%
HK$42,758
baseline
▲ 0.50% · 4.625%
HK$45,359
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,516/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,760
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,961
−HK$1,218/mo
Today · 4.125%
HK$47,179
baseline
▲ 0.50% · 4.625%
HK$49,666
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,358/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,940
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,400
−HK$1,484/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,919
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,221
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,621
−HK$1,421/mo
Today · 4.125%
HK$55,042
baseline
▲ 0.50% · 4.625%
HK$57,943
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,084/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,352
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,229
−HK$1,907/mo
Today · 4.125%
HK$64,136
baseline
▲ 0.50% · 4.625%
HK$68,039
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,272/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,141
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,941
−HK$1,827/mo
Today · 4.125%
HK$70,768
baseline
▲ 0.50% · 4.625%
HK$74,498
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,536/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,398 · Scale 2, in force from 26 Feb 2026)