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$33,546
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,589
−HK$1,060/mo
Today · 4.125%
HK$35,649
baseline
▲ 0.50% · 4.625%
HK$37,819
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,298/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,319
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,320
−HK$1,016/mo
Today · 4.125%
HK$39,336
baseline
▲ 0.50% · 4.625%
HK$41,409
+HK$2,073/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,672/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,255
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,507
−HK$1,272/mo
Today · 4.125%
HK$42,779
baseline
▲ 0.50% · 4.625%
HK$45,382
+HK$2,603/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$85,558/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,783
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,984
−HK$1,219/mo
Today · 4.125%
HK$47,203
baseline
▲ 0.50% · 4.625%
HK$49,691
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$94,406/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,964
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,425
−HK$1,484/mo
Today · 4.125%
HK$49,909
baseline
▲ 0.50% · 4.625%
HK$52,946
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,818/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,247
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,648
−HK$1,422/mo
Today · 4.125%
HK$55,070
baseline
▲ 0.50% · 4.625%
HK$57,973
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,140/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,382
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,261
−HK$1,908/mo
Today · 4.125%
HK$64,169
baseline
▲ 0.50% · 4.625%
HK$68,074
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,338/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,175
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,976
−HK$1,828/mo
Today · 4.125%
HK$70,804
baseline
▲ 0.50% · 4.625%
HK$74,536
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,608/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,679 · Scale 2, in force from 26 Feb 2026)