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$33,543
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,586
−HK$1,060/mo
Today · 4.125%
HK$35,646
baseline
▲ 0.50% · 4.625%
HK$37,815
+HK$2,169/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,292/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,316
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,317
−HK$1,015/mo
Today · 4.125%
HK$39,332
baseline
▲ 0.50% · 4.625%
HK$41,405
+HK$2,073/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,664/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,251
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,503
−HK$1,273/mo
Today · 4.125%
HK$42,776
baseline
▲ 0.50% · 4.625%
HK$45,378
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$85,552/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,779
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,980
−HK$1,219/mo
Today · 4.125%
HK$47,199
baseline
▲ 0.50% · 4.625%
HK$49,686
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$94,398/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,960
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,421
−HK$1,484/mo
Today · 4.125%
HK$49,905
baseline
▲ 0.50% · 4.625%
HK$52,941
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,810/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,242
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,644
−HK$1,421/mo
Today · 4.125%
HK$55,065
baseline
▲ 0.50% · 4.625%
HK$57,968
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,130/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,377
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,255
−HK$1,908/mo
Today · 4.125%
HK$64,163
baseline
▲ 0.50% · 4.625%
HK$68,067
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,326/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,169
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,970
−HK$1,828/mo
Today · 4.125%
HK$70,798
baseline
▲ 0.50% · 4.625%
HK$74,530
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,596/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,630 · Scale 2, in force from 26 Feb 2026)