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$33,523
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,566
−HK$1,059/mo
Today · 4.125%
HK$35,625
baseline
▲ 0.50% · 4.625%
HK$37,793
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,250/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,294
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,294
−HK$1,015/mo
Today · 4.125%
HK$39,309
baseline
▲ 0.50% · 4.625%
HK$41,381
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,618/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,228
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,271/mo
Today · 4.125%
HK$42,750
baseline
▲ 0.50% · 4.625%
HK$45,351
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,500/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,753
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,953
−HK$1,218/mo
Today · 4.125%
HK$47,171
baseline
▲ 0.50% · 4.625%
HK$49,657
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,342/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,932
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,392
−HK$1,483/mo
Today · 4.125%
HK$49,875
baseline
▲ 0.50% · 4.625%
HK$52,910
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,750/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,212
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,612
−HK$1,420/mo
Today · 4.125%
HK$55,032
baseline
▲ 0.50% · 4.625%
HK$57,933
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,064/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,341
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,218
−HK$1,907/mo
Today · 4.125%
HK$64,125
baseline
▲ 0.50% · 4.625%
HK$68,027
+HK$3,902/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,250/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,129
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,930
−HK$1,826/mo
Today · 4.125%
HK$70,756
baseline
▲ 0.50% · 4.625%
HK$74,486
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,512/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,304 · Scale 2, in force from 26 Feb 2026)