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$33,517
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,560
−HK$1,059/mo
Today · 4.125%
HK$35,619
baseline
▲ 0.50% · 4.625%
HK$37,787
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,238/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,288
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,288
−HK$1,014/mo
Today · 4.125%
HK$39,302
baseline
▲ 0.50% · 4.625%
HK$41,374
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,604/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,221
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,472
−HK$1,271/mo
Today · 4.125%
HK$42,743
baseline
▲ 0.50% · 4.625%
HK$45,344
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,486/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,745
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,945
−HK$1,218/mo
Today · 4.125%
HK$47,163
baseline
▲ 0.50% · 4.625%
HK$49,649
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,326/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,924
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,384
−HK$1,483/mo
Today · 4.125%
HK$49,867
baseline
▲ 0.50% · 4.625%
HK$52,901
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,734/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,203
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,603
−HK$1,420/mo
Today · 4.125%
HK$55,023
baseline
▲ 0.50% · 4.625%
HK$57,924
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,046/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,331
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,208
−HK$1,907/mo
Today · 4.125%
HK$64,115
baseline
▲ 0.50% · 4.625%
HK$68,016
+HK$3,901/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,230/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,118
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,918
−HK$1,826/mo
Today · 4.125%
HK$70,744
baseline
▲ 0.50% · 4.625%
HK$74,473
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,488/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,211 · Scale 2, in force from 26 Feb 2026)