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$33,533
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,576
−HK$1,060/mo
Today · 4.125%
HK$35,636
baseline
▲ 0.50% · 4.625%
HK$37,804
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,272/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,305
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,305
−HK$1,015/mo
Today · 4.125%
HK$39,320
baseline
▲ 0.50% · 4.625%
HK$41,393
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,640/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,239
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,491
−HK$1,272/mo
Today · 4.125%
HK$42,763
baseline
▲ 0.50% · 4.625%
HK$45,365
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,526/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,766
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,967
−HK$1,218/mo
Today · 4.125%
HK$47,185
baseline
▲ 0.50% · 4.625%
HK$49,672
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,370/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,946
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,406
−HK$1,484/mo
Today · 4.125%
HK$49,890
baseline
▲ 0.50% · 4.625%
HK$52,926
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,780/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,227
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,628
−HK$1,421/mo
Today · 4.125%
HK$55,049
baseline
▲ 0.50% · 4.625%
HK$57,950
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,098/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,359
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,237
−HK$1,907/mo
Today · 4.125%
HK$64,144
baseline
▲ 0.50% · 4.625%
HK$68,047
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,288/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,149
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,950
−HK$1,827/mo
Today · 4.125%
HK$70,777
baseline
▲ 0.50% · 4.625%
HK$74,508
+HK$3,731/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,554/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,466 · Scale 2, in force from 26 Feb 2026)