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$33,506
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,548
−HK$1,059/mo
Today · 4.125%
HK$35,607
baseline
▲ 0.50% · 4.625%
HK$37,773
+HK$2,166/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,214/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,275
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,274
−HK$1,015/mo
Today · 4.125%
HK$39,289
baseline
▲ 0.50% · 4.625%
HK$41,360
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,578/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,207
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,457
−HK$1,271/mo
Today · 4.125%
HK$42,728
baseline
▲ 0.50% · 4.625%
HK$45,328
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,456/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,730
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,929
−HK$1,217/mo
Today · 4.125%
HK$47,146
baseline
▲ 0.50% · 4.625%
HK$49,631
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,292/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,908
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,367
−HK$1,483/mo
Today · 4.125%
HK$49,850
baseline
▲ 0.50% · 4.625%
HK$52,883
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,700/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,185
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,584
−HK$1,420/mo
Today · 4.125%
HK$55,004
baseline
▲ 0.50% · 4.625%
HK$57,903
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,008/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,310
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,186
−HK$1,906/mo
Today · 4.125%
HK$64,092
baseline
▲ 0.50% · 4.625%
HK$67,992
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,184/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,095
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,894
−HK$1,825/mo
Today · 4.125%
HK$70,719
baseline
▲ 0.50% · 4.625%
HK$74,447
+HK$3,728/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,438/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,019 · Scale 2, in force from 26 Feb 2026)