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$33,585
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,630
−HK$1,062/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,863
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,363
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,366
−HK$1,016/mo
Today · 4.125%
HK$39,382
baseline
▲ 0.50% · 4.625%
HK$41,458
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,764/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,303
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,556
−HK$1,274/mo
Today · 4.125%
HK$42,830
baseline
▲ 0.50% · 4.625%
HK$45,436
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,660/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,836
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,039
−HK$1,220/mo
Today · 4.125%
HK$47,259
baseline
▲ 0.50% · 4.625%
HK$49,750
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,518/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,020
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,482
−HK$1,486/mo
Today · 4.125%
HK$49,968
baseline
▲ 0.50% · 4.625%
HK$53,009
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,936/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,309
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,712
−HK$1,423/mo
Today · 4.125%
HK$55,135
baseline
▲ 0.50% · 4.625%
HK$58,041
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,270/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,454
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,334
−HK$1,911/mo
Today · 4.125%
HK$64,245
baseline
▲ 0.50% · 4.625%
HK$68,154
+HK$3,909/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,490/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,254
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,058
−HK$1,830/mo
Today · 4.125%
HK$70,888
baseline
▲ 0.50% · 4.625%
HK$74,624
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,776/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,331 · Scale 2, in force from 26 Feb 2026)