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$33,594
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,639
−HK$1,061/mo
Today · 4.125%
HK$35,700
baseline
▲ 0.50% · 4.625%
HK$37,873
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,400/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,373
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,375
−HK$1,017/mo
Today · 4.125%
HK$39,392
baseline
▲ 0.50% · 4.625%
HK$41,468
+HK$2,076/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,784/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,313
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,567
−HK$1,274/mo
Today · 4.125%
HK$42,841
baseline
▲ 0.50% · 4.625%
HK$45,447
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,682/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,847
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,050
−HK$1,220/mo
Today · 4.125%
HK$47,270
baseline
▲ 0.50% · 4.625%
HK$49,762
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,540/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,031
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,494
−HK$1,487/mo
Today · 4.125%
HK$49,981
baseline
▲ 0.50% · 4.625%
HK$53,022
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,962/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,322
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,725
−HK$1,424/mo
Today · 4.125%
HK$55,149
baseline
▲ 0.50% · 4.625%
HK$58,056
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,298/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,469
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,350
−HK$1,911/mo
Today · 4.125%
HK$64,261
baseline
▲ 0.50% · 4.625%
HK$68,171
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,522/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,271
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,075
−HK$1,830/mo
Today · 4.125%
HK$70,905
baseline
▲ 0.50% · 4.625%
HK$74,643
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,810/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,468 · Scale 2, in force from 26 Feb 2026)