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$33,516
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,558
−HK$1,060/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,785
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,286
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,014/mo
Today · 4.125%
HK$39,300
baseline
▲ 0.50% · 4.625%
HK$41,372
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,600/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,271/mo
Today · 4.125%
HK$42,741
baseline
▲ 0.50% · 4.625%
HK$45,342
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,482/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,743
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,943
−HK$1,218/mo
Today · 4.125%
HK$47,161
baseline
▲ 0.50% · 4.625%
HK$49,646
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,322/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,922
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,382
−HK$1,483/mo
Today · 4.125%
HK$49,865
baseline
▲ 0.50% · 4.625%
HK$52,899
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,730/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,200
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,600
−HK$1,421/mo
Today · 4.125%
HK$55,021
baseline
▲ 0.50% · 4.625%
HK$57,921
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,042/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,328
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,205
−HK$1,907/mo
Today · 4.125%
HK$64,112
baseline
▲ 0.50% · 4.625%
HK$68,013
+HK$3,901/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,224/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,115
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,915
−HK$1,826/mo
Today · 4.125%
HK$70,741
baseline
▲ 0.50% · 4.625%
HK$74,470
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,482/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,185 · Scale 2, in force from 26 Feb 2026)