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$33,570
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,614
−HK$1,061/mo
Today · 4.125%
HK$35,675
baseline
▲ 0.50% · 4.625%
HK$37,846
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,350/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,346
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,348
−HK$1,016/mo
Today · 4.125%
HK$39,364
baseline
▲ 0.50% · 4.625%
HK$41,439
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,728/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,284
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,537
−HK$1,273/mo
Today · 4.125%
HK$42,810
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,605/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,620/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,815
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,017
−HK$1,220/mo
Today · 4.125%
HK$47,237
baseline
▲ 0.50% · 4.625%
HK$49,726
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,474/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,998
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,460
−HK$1,485/mo
Today · 4.125%
HK$49,945
baseline
▲ 0.50% · 4.625%
HK$52,984
+HK$3,039/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,890/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,285
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,687
−HK$1,422/mo
Today · 4.125%
HK$55,109
baseline
▲ 0.50% · 4.625%
HK$58,014
+HK$2,905/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,218/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,426
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,305
−HK$1,910/mo
Today · 4.125%
HK$64,215
baseline
▲ 0.50% · 4.625%
HK$68,122
+HK$3,907/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,430/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,223
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,026
−HK$1,829/mo
Today · 4.125%
HK$70,855
baseline
▲ 0.50% · 4.625%
HK$74,590
+HK$3,735/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,710/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,074 · Scale 2, in force from 26 Feb 2026)