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$33,549
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,592
−HK$1,060/mo
Today · 4.125%
HK$35,652
baseline
▲ 0.50% · 4.625%
HK$37,822
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,304/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,323
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,015/mo
Today · 4.125%
HK$39,339
baseline
▲ 0.50% · 4.625%
HK$41,413
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,678/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,258
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,511
−HK$1,272/mo
Today · 4.125%
HK$42,783
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,603/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,566/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,787
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,988
−HK$1,219/mo
Today · 4.125%
HK$47,207
baseline
▲ 0.50% · 4.625%
HK$49,695
+HK$2,488/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,414/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,968
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,429
−HK$1,484/mo
Today · 4.125%
HK$49,913
baseline
▲ 0.50% · 4.625%
HK$52,951
+HK$3,038/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,826/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,252
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,653
−HK$1,422/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$57,978
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,388
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,266
−HK$1,908/mo
Today · 4.125%
HK$64,174
baseline
▲ 0.50% · 4.625%
HK$68,079
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,348/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,181
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,982
−HK$1,828/mo
Today · 4.125%
HK$70,810
baseline
▲ 0.50% · 4.625%
HK$74,543
+HK$3,733/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,620/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,726 · Scale 2, in force from 26 Feb 2026)