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$33,518
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,561
−HK$1,059/mo
Today · 4.125%
HK$35,620
baseline
▲ 0.50% · 4.625%
HK$37,787
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,240/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,289
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,289
−HK$1,014/mo
Today · 4.125%
HK$39,303
baseline
▲ 0.50% · 4.625%
HK$41,375
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,606/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,222
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,473
−HK$1,271/mo
Today · 4.125%
HK$42,744
baseline
▲ 0.50% · 4.625%
HK$45,345
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,488/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,746
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,946
−HK$1,218/mo
Today · 4.125%
HK$47,164
baseline
▲ 0.50% · 4.625%
HK$49,650
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,328/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,925
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,385
−HK$1,483/mo
Today · 4.125%
HK$49,868
baseline
▲ 0.50% · 4.625%
HK$52,902
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,736/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,204
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,604
−HK$1,421/mo
Today · 4.125%
HK$55,025
baseline
▲ 0.50% · 4.625%
HK$57,925
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,050/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,333
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,209
−HK$1,907/mo
Today · 4.125%
HK$64,116
baseline
▲ 0.50% · 4.625%
HK$68,017
+HK$3,901/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,232/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,120
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,920
−HK$1,826/mo
Today · 4.125%
HK$70,746
baseline
▲ 0.50% · 4.625%
HK$74,475
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,492/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,225 · Scale 2, in force from 26 Feb 2026)