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$33,564
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,608
−HK$1,061/mo
Today · 4.125%
HK$35,669
baseline
▲ 0.50% · 4.625%
HK$37,840
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,338/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,340
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,342
−HK$1,015/mo
Today · 4.125%
HK$39,357
baseline
▲ 0.50% · 4.625%
HK$41,432
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,714/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,277
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,530
−HK$1,273/mo
Today · 4.125%
HK$42,803
baseline
▲ 0.50% · 4.625%
HK$45,407
+HK$2,604/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,606/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,808
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,219/mo
Today · 4.125%
HK$47,229
baseline
▲ 0.50% · 4.625%
HK$49,718
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,458/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,990
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,452
−HK$1,485/mo
Today · 4.125%
HK$49,937
baseline
▲ 0.50% · 4.625%
HK$52,975
+HK$3,038/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$99,874/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,276
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,678
−HK$1,422/mo
Today · 4.125%
HK$55,100
baseline
▲ 0.50% · 4.625%
HK$58,005
+HK$2,905/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$110,200/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,416
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,295
−HK$1,910/mo
Today · 4.125%
HK$64,205
baseline
▲ 0.50% · 4.625%
HK$68,111
+HK$3,906/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,410/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,212
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,015
−HK$1,828/mo
Today · 4.125%
HK$70,843
baseline
▲ 0.50% · 4.625%
HK$74,578
+HK$3,735/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,686/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,984 · Scale 2, in force from 26 Feb 2026)