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$33,514
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,557
−HK$1,059/mo
Today · 4.125%
HK$35,616
baseline
▲ 0.50% · 4.625%
HK$37,783
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,232/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,284
−HK$1,015/mo
Today · 4.125%
HK$39,299
baseline
▲ 0.50% · 4.625%
HK$41,370
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,598/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,217
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,468
−HK$1,271/mo
Today · 4.125%
HK$42,739
baseline
▲ 0.50% · 4.625%
HK$45,340
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,478/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,741
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,941
−HK$1,217/mo
Today · 4.125%
HK$47,158
baseline
▲ 0.50% · 4.625%
HK$49,644
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,316/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,920
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,379
−HK$1,483/mo
Today · 4.125%
HK$49,862
baseline
▲ 0.50% · 4.625%
HK$52,896
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,724/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,198
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,598
−HK$1,420/mo
Today · 4.125%
HK$55,018
baseline
▲ 0.50% · 4.625%
HK$57,918
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,036/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,326
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,202
−HK$1,906/mo
Today · 4.125%
HK$64,108
baseline
▲ 0.50% · 4.625%
HK$68,009
+HK$3,901/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,216/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,112
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,911
−HK$1,826/mo
Today · 4.125%
HK$70,737
baseline
▲ 0.50% · 4.625%
HK$74,466
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,474/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,158 · Scale 2, in force from 26 Feb 2026)