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$33,605
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,650
−HK$1,062/mo
Today · 4.125%
HK$35,712
baseline
▲ 0.50% · 4.625%
HK$37,885
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,424/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,385
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,387
−HK$1,018/mo
Today · 4.125%
HK$39,405
baseline
▲ 0.50% · 4.625%
HK$41,482
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,810/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,325
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,580
−HK$1,274/mo
Today · 4.125%
HK$42,854
baseline
▲ 0.50% · 4.625%
HK$45,462
+HK$2,608/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,708/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,862
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,065
−HK$1,220/mo
Today · 4.125%
HK$47,285
baseline
▲ 0.50% · 4.625%
HK$49,778
+HK$2,493/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,570/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,046
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,510
−HK$1,487/mo
Today · 4.125%
HK$49,997
baseline
▲ 0.50% · 4.625%
HK$53,039
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$99,994/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,339
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,742
−HK$1,424/mo
Today · 4.125%
HK$55,166
baseline
▲ 0.50% · 4.625%
HK$58,074
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,332/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,488
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,370
−HK$1,911/mo
Today · 4.125%
HK$64,281
baseline
▲ 0.50% · 4.625%
HK$68,193
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,562/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,293
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,097
−HK$1,831/mo
Today · 4.125%
HK$70,928
baseline
▲ 0.50% · 4.625%
HK$74,667
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,856/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,645 · Scale 2, in force from 26 Feb 2026)