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$33,574
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,618
−HK$1,061/mo
Today · 4.125%
HK$35,679
baseline
▲ 0.50% · 4.625%
HK$37,850
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,358/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,352
−HK$1,017/mo
Today · 4.125%
HK$39,369
baseline
▲ 0.50% · 4.625%
HK$41,444
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,738/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,289
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,542
−HK$1,273/mo
Today · 4.125%
HK$42,815
baseline
▲ 0.50% · 4.625%
HK$45,420
+HK$2,605/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,630/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,821
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,023
−HK$1,219/mo
Today · 4.125%
HK$47,242
baseline
▲ 0.50% · 4.625%
HK$49,732
+HK$2,490/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,484/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,003
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,465
−HK$1,486/mo
Today · 4.125%
HK$49,951
baseline
▲ 0.50% · 4.625%
HK$52,990
+HK$3,039/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,902/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,291
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,693
−HK$1,423/mo
Today · 4.125%
HK$55,116
baseline
▲ 0.50% · 4.625%
HK$58,021
+HK$2,905/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,232/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,433
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,313
−HK$1,910/mo
Today · 4.125%
HK$64,223
baseline
▲ 0.50% · 4.625%
HK$68,130
+HK$3,907/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,446/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,231
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,034
−HK$1,829/mo
Today · 4.125%
HK$70,863
baseline
▲ 0.50% · 4.625%
HK$74,599
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,726/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,140 · Scale 2, in force from 26 Feb 2026)