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$33,553
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,596
−HK$1,061/mo
Today · 4.125%
HK$35,657
baseline
▲ 0.50% · 4.625%
HK$37,826
+HK$2,169/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,314/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,327
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,328
−HK$1,016/mo
Today · 4.125%
HK$39,344
baseline
▲ 0.50% · 4.625%
HK$41,417
+HK$2,073/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,688/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,263
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,516
−HK$1,272/mo
Today · 4.125%
HK$42,788
baseline
▲ 0.50% · 4.625%
HK$45,392
+HK$2,604/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,576/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,792
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,994
−HK$1,218/mo
Today · 4.125%
HK$47,212
baseline
▲ 0.50% · 4.625%
HK$49,701
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,424/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,974
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,435
−HK$1,484/mo
Today · 4.125%
HK$49,919
baseline
▲ 0.50% · 4.625%
HK$52,957
+HK$3,038/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,838/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,258
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,422/mo
Today · 4.125%
HK$55,081
baseline
▲ 0.50% · 4.625%
HK$57,984
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,162/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,395
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,273
−HK$1,909/mo
Today · 4.125%
HK$64,182
baseline
▲ 0.50% · 4.625%
HK$68,087
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,364/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,188
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,990
−HK$1,828/mo
Today · 4.125%
HK$70,818
baseline
▲ 0.50% · 4.625%
HK$74,551
+HK$3,733/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,636/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,790 · Scale 2, in force from 26 Feb 2026)