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$33,581
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,626
−HK$1,061/mo
Today · 4.125%
HK$35,687
baseline
▲ 0.50% · 4.625%
HK$37,859
+HK$2,172/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,374/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,359
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,361
−HK$1,016/mo
Today · 4.125%
HK$39,377
baseline
▲ 0.50% · 4.625%
HK$41,453
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,754/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,297
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,551
−HK$1,273/mo
Today · 4.125%
HK$42,824
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,648/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,831
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,033
−HK$1,220/mo
Today · 4.125%
HK$47,253
baseline
▲ 0.50% · 4.625%
HK$49,743
+HK$2,490/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,506/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,014
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,476
−HK$1,486/mo
Today · 4.125%
HK$49,962
baseline
▲ 0.50% · 4.625%
HK$53,002
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,924/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,302
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,705
−HK$1,423/mo
Today · 4.125%
HK$55,128
baseline
▲ 0.50% · 4.625%
HK$58,034
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,256/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,446
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,326
−HK$1,911/mo
Today · 4.125%
HK$64,237
baseline
▲ 0.50% · 4.625%
HK$68,145
+HK$3,908/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,474/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,246
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,049
−HK$1,830/mo
Today · 4.125%
HK$70,879
baseline
▲ 0.50% · 4.625%
HK$74,615
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,758/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,261 · Scale 2, in force from 26 Feb 2026)