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$33,538
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,582
−HK$1,060/mo
Today · 4.125%
HK$35,642
baseline
▲ 0.50% · 4.625%
HK$37,810
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,284/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,311
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,312
−HK$1,015/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,400
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,246
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,498
−HK$1,272/mo
Today · 4.125%
HK$42,770
baseline
▲ 0.50% · 4.625%
HK$45,372
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,540/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,773
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,974
−HK$1,218/mo
Today · 4.125%
HK$47,192
baseline
▲ 0.50% · 4.625%
HK$49,680
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,384/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,954
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,414
−HK$1,484/mo
Today · 4.125%
HK$49,898
baseline
▲ 0.50% · 4.625%
HK$52,934
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,796/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,236
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,637
−HK$1,421/mo
Today · 4.125%
HK$55,058
baseline
▲ 0.50% · 4.625%
HK$57,960
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,116/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,369
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,247
−HK$1,908/mo
Today · 4.125%
HK$64,155
baseline
▲ 0.50% · 4.625%
HK$68,059
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,310/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,160
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,961
−HK$1,828/mo
Today · 4.125%
HK$70,789
baseline
▲ 0.50% · 4.625%
HK$74,520
+HK$3,731/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,578/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,558 · Scale 2, in force from 26 Feb 2026)