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$33,602
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,647
−HK$1,062/mo
Today · 4.125%
HK$35,709
baseline
▲ 0.50% · 4.625%
HK$37,882
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,418/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,382
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,384
−HK$1,017/mo
Today · 4.125%
HK$39,401
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,802/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,322
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,576
−HK$1,275/mo
Today · 4.125%
HK$42,851
baseline
▲ 0.50% · 4.625%
HK$45,458
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,702/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,858
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,061
−HK$1,220/mo
Today · 4.125%
HK$47,281
baseline
▲ 0.50% · 4.625%
HK$49,774
+HK$2,493/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,562/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,042
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,506
−HK$1,486/mo
Today · 4.125%
HK$49,992
baseline
▲ 0.50% · 4.625%
HK$53,034
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$99,984/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,334
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,738
−HK$1,424/mo
Today · 4.125%
HK$55,162
baseline
▲ 0.50% · 4.625%
HK$58,069
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,324/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,483
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,364
−HK$1,912/mo
Today · 4.125%
HK$64,276
baseline
▲ 0.50% · 4.625%
HK$68,187
+HK$3,911/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,552/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,287
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,091
−HK$1,831/mo
Today · 4.125%
HK$70,922
baseline
▲ 0.50% · 4.625%
HK$74,661
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,844/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,598 · Scale 2, in force from 26 Feb 2026)