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$33,502
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,545
−HK$1,058/mo
Today · 4.125%
HK$35,603
baseline
▲ 0.50% · 4.625%
HK$37,770
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,206/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,271
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,271
−HK$1,014/mo
Today · 4.125%
HK$39,285
baseline
▲ 0.50% · 4.625%
HK$41,356
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,570/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,203
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,453
−HK$1,271/mo
Today · 4.125%
HK$42,724
baseline
▲ 0.50% · 4.625%
HK$45,324
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,448/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,725
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,925
−HK$1,217/mo
Today · 4.125%
HK$47,142
baseline
▲ 0.50% · 4.625%
HK$49,627
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,284/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,903
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,362
−HK$1,483/mo
Today · 4.125%
HK$49,845
baseline
▲ 0.50% · 4.625%
HK$52,878
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,690/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,180
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,579
−HK$1,420/mo
Today · 4.125%
HK$54,999
baseline
▲ 0.50% · 4.625%
HK$57,898
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,998/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,304
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,180
−HK$1,906/mo
Today · 4.125%
HK$64,086
baseline
▲ 0.50% · 4.625%
HK$67,985
+HK$3,899/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,172/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,088
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,887
−HK$1,826/mo
Today · 4.125%
HK$70,713
baseline
▲ 0.50% · 4.625%
HK$74,440
+HK$3,727/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,426/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,965 · Scale 2, in force from 26 Feb 2026)