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$33,580
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$1,061/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,857
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,358
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,359
−HK$1,017/mo
Today · 4.125%
HK$39,376
baseline
▲ 0.50% · 4.625%
HK$41,451
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,752/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,296
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,550
−HK$1,273/mo
Today · 4.125%
HK$42,823
baseline
▲ 0.50% · 4.625%
HK$45,429
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,646/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,829
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,031
−HK$1,220/mo
Today · 4.125%
HK$47,251
baseline
▲ 0.50% · 4.625%
HK$49,742
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,502/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,012
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,474
−HK$1,486/mo
Today · 4.125%
HK$49,960
baseline
▲ 0.50% · 4.625%
HK$53,000
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,920/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,301
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,703
−HK$1,423/mo
Today · 4.125%
HK$55,126
baseline
▲ 0.50% · 4.625%
HK$58,032
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,252/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,444
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,324
−HK$1,911/mo
Today · 4.125%
HK$64,235
baseline
▲ 0.50% · 4.625%
HK$68,143
+HK$3,908/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,470/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,244
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,047
−HK$1,829/mo
Today · 4.125%
HK$70,876
baseline
▲ 0.50% · 4.625%
HK$74,612
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,752/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,243 · Scale 2, in force from 26 Feb 2026)