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$33,551
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,595
−HK$1,060/mo
Today · 4.125%
HK$35,655
baseline
▲ 0.50% · 4.625%
HK$37,825
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,310/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,325
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,326
−HK$1,016/mo
Today · 4.125%
HK$39,342
baseline
▲ 0.50% · 4.625%
HK$41,416
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,684/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,261
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,514
−HK$1,272/mo
Today · 4.125%
HK$42,786
baseline
▲ 0.50% · 4.625%
HK$45,389
+HK$2,603/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,572/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,790
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,992
−HK$1,218/mo
Today · 4.125%
HK$47,210
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,420/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,972
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,433
−HK$1,484/mo
Today · 4.125%
HK$49,917
baseline
▲ 0.50% · 4.625%
HK$52,954
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,834/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,255
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,657
−HK$1,422/mo
Today · 4.125%
HK$55,079
baseline
▲ 0.50% · 4.625%
HK$57,982
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,158/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,392
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,270
−HK$1,909/mo
Today · 4.125%
HK$64,179
baseline
▲ 0.50% · 4.625%
HK$68,084
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,358/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,185
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,987
−HK$1,828/mo
Today · 4.125%
HK$70,815
baseline
▲ 0.50% · 4.625%
HK$74,548
+HK$3,733/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,630/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,766 · Scale 2, in force from 26 Feb 2026)