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$33,528
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$1,059/mo
Today · 4.125%
HK$35,630
baseline
▲ 0.50% · 4.625%
HK$37,798
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,260/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,299
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,300
−HK$1,014/mo
Today · 4.125%
HK$39,314
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,628/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,233
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,485
−HK$1,271/mo
Today · 4.125%
HK$42,756
baseline
▲ 0.50% · 4.625%
HK$45,358
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,512/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,759
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,959
−HK$1,218/mo
Today · 4.125%
HK$47,177
baseline
▲ 0.50% · 4.625%
HK$49,664
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,354/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,939
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,399
−HK$1,483/mo
Today · 4.125%
HK$49,882
baseline
▲ 0.50% · 4.625%
HK$52,917
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,764/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,219
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,619
−HK$1,421/mo
Today · 4.125%
HK$55,040
baseline
▲ 0.50% · 4.625%
HK$57,941
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,080/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,350
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,227
−HK$1,907/mo
Today · 4.125%
HK$64,134
baseline
▲ 0.50% · 4.625%
HK$68,037
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,268/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,139
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,939
−HK$1,827/mo
Today · 4.125%
HK$70,766
baseline
▲ 0.50% · 4.625%
HK$74,496
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,532/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,381 · Scale 2, in force from 26 Feb 2026)