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$33,613
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$1,062/mo
Today · 4.125%
HK$35,721
baseline
▲ 0.50% · 4.625%
HK$37,895
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,442/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,394
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,397
−HK$1,018/mo
Today · 4.125%
HK$39,415
baseline
▲ 0.50% · 4.625%
HK$41,492
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,830/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,336
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,591
−HK$1,274/mo
Today · 4.125%
HK$42,865
baseline
▲ 0.50% · 4.625%
HK$45,473
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,730/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,873
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,077
−HK$1,221/mo
Today · 4.125%
HK$47,298
baseline
▲ 0.50% · 4.625%
HK$49,791
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,596/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,058
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,522
−HK$1,487/mo
Today · 4.125%
HK$50,009
baseline
▲ 0.50% · 4.625%
HK$53,052
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,018/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,352
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,756
−HK$1,425/mo
Today · 4.125%
HK$55,181
baseline
▲ 0.50% · 4.625%
HK$58,089
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,362/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,504
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,386
−HK$1,912/mo
Today · 4.125%
HK$64,298
baseline
▲ 0.50% · 4.625%
HK$68,210
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,596/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,310
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,115
−HK$1,831/mo
Today · 4.125%
HK$70,946
baseline
▲ 0.50% · 4.625%
HK$74,686
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,892/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,787 · Scale 2, in force from 26 Feb 2026)