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$33,517
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,560
−HK$1,059/mo
Today · 4.125%
HK$35,619
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,238/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,287
−HK$1,015/mo
Today · 4.125%
HK$39,302
baseline
▲ 0.50% · 4.625%
HK$41,374
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,604/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,221
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,472
−HK$1,271/mo
Today · 4.125%
HK$42,743
baseline
▲ 0.50% · 4.625%
HK$45,343
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,486/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,745
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,945
−HK$1,217/mo
Today · 4.125%
HK$47,162
baseline
▲ 0.50% · 4.625%
HK$49,648
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,324/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,924
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,384
−HK$1,482/mo
Today · 4.125%
HK$49,866
baseline
▲ 0.50% · 4.625%
HK$52,901
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,732/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,202
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,602
−HK$1,421/mo
Today · 4.125%
HK$55,023
baseline
▲ 0.50% · 4.625%
HK$57,923
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,046/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,331
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,207
−HK$1,907/mo
Today · 4.125%
HK$64,114
baseline
▲ 0.50% · 4.625%
HK$68,015
+HK$3,901/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,228/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,117
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,917
−HK$1,827/mo
Today · 4.125%
HK$70,744
baseline
▲ 0.50% · 4.625%
HK$74,473
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,488/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,206 · Scale 2, in force from 26 Feb 2026)