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$33,520
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,563
−HK$1,059/mo
Today · 4.125%
HK$35,622
baseline
▲ 0.50% · 4.625%
HK$37,790
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,244/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,291
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,291
−HK$1,015/mo
Today · 4.125%
HK$39,306
baseline
▲ 0.50% · 4.625%
HK$41,377
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,612/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,224
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,475
−HK$1,272/mo
Today · 4.125%
HK$42,747
baseline
▲ 0.50% · 4.625%
HK$45,348
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,494/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,749
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,949
−HK$1,218/mo
Today · 4.125%
HK$47,167
baseline
▲ 0.50% · 4.625%
HK$49,653
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,334/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,928
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,388
−HK$1,483/mo
Today · 4.125%
HK$49,871
baseline
▲ 0.50% · 4.625%
HK$52,906
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,742/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,207
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,607
−HK$1,421/mo
Today · 4.125%
HK$55,028
baseline
▲ 0.50% · 4.625%
HK$57,928
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,056/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,336
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,213
−HK$1,907/mo
Today · 4.125%
HK$64,120
baseline
▲ 0.50% · 4.625%
HK$68,022
+HK$3,902/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,240/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,124
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,924
−HK$1,826/mo
Today · 4.125%
HK$70,750
baseline
▲ 0.50% · 4.625%
HK$74,479
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,500/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,257 · Scale 2, in force from 26 Feb 2026)