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$33,601
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,647
−HK$1,061/mo
Today · 4.125%
HK$35,708
baseline
▲ 0.50% · 4.625%
HK$37,881
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,416/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,381
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,384
−HK$1,017/mo
Today · 4.125%
HK$39,401
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,802/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,322
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,576
−HK$1,274/mo
Today · 4.125%
HK$42,850
baseline
▲ 0.50% · 4.625%
HK$45,457
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,700/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,857
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,060
−HK$1,221/mo
Today · 4.125%
HK$47,281
baseline
▲ 0.50% · 4.625%
HK$49,773
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,562/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,042
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,505
−HK$1,487/mo
Today · 4.125%
HK$49,992
baseline
▲ 0.50% · 4.625%
HK$53,034
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$99,984/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,334
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,737
−HK$1,424/mo
Today · 4.125%
HK$55,161
baseline
▲ 0.50% · 4.625%
HK$58,069
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,322/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,482
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,364
−HK$1,911/mo
Today · 4.125%
HK$64,275
baseline
▲ 0.50% · 4.625%
HK$68,186
+HK$3,911/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,550/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,286
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,091
−HK$1,830/mo
Today · 4.125%
HK$70,921
baseline
▲ 0.50% · 4.625%
HK$74,660
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,842/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,592 · Scale 2, in force from 26 Feb 2026)