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$33,513
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,555
−HK$1,059/mo
Today · 4.125%
HK$35,614
baseline
▲ 0.50% · 4.625%
HK$37,781
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,228/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,282
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,282
−HK$1,015/mo
Today · 4.125%
HK$39,297
baseline
▲ 0.50% · 4.625%
HK$41,368
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,594/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,215
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,466
−HK$1,271/mo
Today · 4.125%
HK$42,737
baseline
▲ 0.50% · 4.625%
HK$45,337
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,474/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,739
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,939
−HK$1,217/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$49,642
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,918
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,377
−HK$1,483/mo
Today · 4.125%
HK$49,860
baseline
▲ 0.50% · 4.625%
HK$52,894
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,720/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,195
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,595
−HK$1,420/mo
Today · 4.125%
HK$55,015
baseline
▲ 0.50% · 4.625%
HK$57,915
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,030/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,323
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,199
−HK$1,907/mo
Today · 4.125%
HK$64,106
baseline
▲ 0.50% · 4.625%
HK$68,006
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,212/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,108
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,908
−HK$1,826/mo
Today · 4.125%
HK$70,734
baseline
▲ 0.50% · 4.625%
HK$74,463
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,468/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,133 · Scale 2, in force from 26 Feb 2026)