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$33,584
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,628
−HK$1,062/mo
Today · 4.125%
HK$35,690
baseline
▲ 0.50% · 4.625%
HK$37,861
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,380/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,361
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,017/mo
Today · 4.125%
HK$39,380
baseline
▲ 0.50% · 4.625%
HK$41,456
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,760/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,300
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,554
−HK$1,274/mo
Today · 4.125%
HK$42,828
baseline
▲ 0.50% · 4.625%
HK$45,434
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,656/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,834
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,036
−HK$1,220/mo
Today · 4.125%
HK$47,256
baseline
▲ 0.50% · 4.625%
HK$49,747
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,512/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,017
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,480
−HK$1,485/mo
Today · 4.125%
HK$49,965
baseline
▲ 0.50% · 4.625%
HK$53,006
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,930/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,306
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,709
−HK$1,423/mo
Today · 4.125%
HK$55,132
baseline
▲ 0.50% · 4.625%
HK$58,038
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,264/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,451
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,331
−HK$1,910/mo
Today · 4.125%
HK$64,241
baseline
▲ 0.50% · 4.625%
HK$68,150
+HK$3,909/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,482/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,251
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,054
−HK$1,830/mo
Today · 4.125%
HK$70,884
baseline
▲ 0.50% · 4.625%
HK$74,620
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,768/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,301 · Scale 2, in force from 26 Feb 2026)