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$33,615
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,660
−HK$1,063/mo
Today · 4.125%
HK$35,723
baseline
▲ 0.50% · 4.625%
HK$37,896
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,446/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,396
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,399
−HK$1,017/mo
Today · 4.125%
HK$39,416
baseline
▲ 0.50% · 4.625%
HK$41,494
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,832/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,338
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,592
−HK$1,275/mo
Today · 4.125%
HK$42,867
baseline
▲ 0.50% · 4.625%
HK$45,475
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,734/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,875
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,079
−HK$1,221/mo
Today · 4.125%
HK$47,300
baseline
▲ 0.50% · 4.625%
HK$49,793
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,600/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,061
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,524
−HK$1,488/mo
Today · 4.125%
HK$50,012
baseline
▲ 0.50% · 4.625%
HK$53,055
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,024/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,354
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,758
−HK$1,425/mo
Today · 4.125%
HK$55,183
baseline
▲ 0.50% · 4.625%
HK$58,092
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,366/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,506
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,388
−HK$1,913/mo
Today · 4.125%
HK$64,301
baseline
▲ 0.50% · 4.625%
HK$68,213
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,602/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,313
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,118
−HK$1,831/mo
Today · 4.125%
HK$70,949
baseline
▲ 0.50% · 4.625%
HK$74,689
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,898/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,811 · Scale 2, in force from 26 Feb 2026)