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$33,516
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,559
−HK$1,059/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,785
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,287
−HK$1,014/mo
Today · 4.125%
HK$39,301
baseline
▲ 0.50% · 4.625%
HK$41,373
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,602/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,220
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,471
−HK$1,271/mo
Today · 4.125%
HK$42,742
baseline
▲ 0.50% · 4.625%
HK$45,342
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,484/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,744
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,944
−HK$1,217/mo
Today · 4.125%
HK$47,161
baseline
▲ 0.50% · 4.625%
HK$49,647
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,322/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,923
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,382
−HK$1,483/mo
Today · 4.125%
HK$49,865
baseline
▲ 0.50% · 4.625%
HK$52,899
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,730/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,201
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,601
−HK$1,420/mo
Today · 4.125%
HK$55,021
baseline
▲ 0.50% · 4.625%
HK$57,922
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,042/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,329
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,206
−HK$1,907/mo
Today · 4.125%
HK$64,113
baseline
▲ 0.50% · 4.625%
HK$68,014
+HK$3,901/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,226/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,116
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,916
−HK$1,826/mo
Today · 4.125%
HK$70,742
baseline
▲ 0.50% · 4.625%
HK$74,471
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,484/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,194 · Scale 2, in force from 26 Feb 2026)