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$33,585
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,629
−HK$1,062/mo
Today · 4.125%
HK$35,691
baseline
▲ 0.50% · 4.625%
HK$37,863
+HK$2,172/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,382/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,363
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,365
−HK$1,016/mo
Today · 4.125%
HK$39,381
baseline
▲ 0.50% · 4.625%
HK$41,457
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,762/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,302
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,555
−HK$1,274/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,435
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,835
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,038
−HK$1,220/mo
Today · 4.125%
HK$47,258
baseline
▲ 0.50% · 4.625%
HK$49,749
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,516/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,019
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,481
−HK$1,486/mo
Today · 4.125%
HK$49,967
baseline
▲ 0.50% · 4.625%
HK$53,008
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,934/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,308
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,711
−HK$1,423/mo
Today · 4.125%
HK$55,134
baseline
▲ 0.50% · 4.625%
HK$58,040
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,268/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,453
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,333
−HK$1,911/mo
Today · 4.125%
HK$64,244
baseline
▲ 0.50% · 4.625%
HK$68,153
+HK$3,909/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,488/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,253
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,057
−HK$1,829/mo
Today · 4.125%
HK$70,886
baseline
▲ 0.50% · 4.625%
HK$74,623
+HK$3,737/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,772/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,320 · Scale 2, in force from 26 Feb 2026)