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$33,548
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,591
−HK$1,061/mo
Today · 4.125%
HK$35,652
baseline
▲ 0.50% · 4.625%
HK$37,821
+HK$2,169/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,304/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,322
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,323
−HK$1,015/mo
Today · 4.125%
HK$39,338
baseline
▲ 0.50% · 4.625%
HK$41,412
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,676/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,257
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,510
−HK$1,272/mo
Today · 4.125%
HK$42,782
baseline
▲ 0.50% · 4.625%
HK$45,385
+HK$2,603/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$85,564/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,786
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,987
−HK$1,219/mo
Today · 4.125%
HK$47,206
baseline
▲ 0.50% · 4.625%
HK$49,694
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$94,412/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,967
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,428
−HK$1,484/mo
Today · 4.125%
HK$49,912
baseline
▲ 0.50% · 4.625%
HK$52,949
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,824/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,250
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,652
−HK$1,421/mo
Today · 4.125%
HK$55,073
baseline
▲ 0.50% · 4.625%
HK$57,976
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,146/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,386
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,265
−HK$1,908/mo
Today · 4.125%
HK$64,173
baseline
▲ 0.50% · 4.625%
HK$68,078
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,346/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,179
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,981
−HK$1,828/mo
Today · 4.125%
HK$70,809
baseline
▲ 0.50% · 4.625%
HK$74,541
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,618/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,713 · Scale 2, in force from 26 Feb 2026)