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$33,544
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$1,060/mo
Today · 4.125%
HK$35,648
baseline
▲ 0.50% · 4.625%
HK$37,817
+HK$2,169/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,296/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,318
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,318
−HK$1,016/mo
Today · 4.125%
HK$39,334
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,073/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,668/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,253
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,505
−HK$1,272/mo
Today · 4.125%
HK$42,777
baseline
▲ 0.50% · 4.625%
HK$45,380
+HK$2,603/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$85,554/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,781
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,982
−HK$1,219/mo
Today · 4.125%
HK$47,201
baseline
▲ 0.50% · 4.625%
HK$49,689
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$94,402/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,962
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,423
−HK$1,484/mo
Today · 4.125%
HK$49,907
baseline
▲ 0.50% · 4.625%
HK$52,944
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,814/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,245
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,646
−HK$1,421/mo
Today · 4.125%
HK$55,067
baseline
▲ 0.50% · 4.625%
HK$57,970
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,134/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,380
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,258
−HK$1,908/mo
Today · 4.125%
HK$64,166
baseline
▲ 0.50% · 4.625%
HK$68,070
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,332/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,172
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,973
−HK$1,828/mo
Today · 4.125%
HK$70,801
baseline
▲ 0.50% · 4.625%
HK$74,533
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,602/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,653 · Scale 2, in force from 26 Feb 2026)