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$33,500
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,542
−HK$1,059/mo
Today · 4.125%
HK$35,601
baseline
▲ 0.50% · 4.625%
HK$37,767
+HK$2,166/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,202/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,269
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,268
−HK$1,014/mo
Today · 4.125%
HK$39,282
baseline
▲ 0.50% · 4.625%
HK$41,353
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,564/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$550,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,200
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,270/mo
Today · 4.125%
HK$42,721
baseline
▲ 0.50% · 4.625%
HK$45,320
+HK$2,599/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$85,442/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,722
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,922
−HK$1,216/mo
Today · 4.125%
HK$47,138
baseline
▲ 0.50% · 4.625%
HK$49,623
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.81M · min. income ≈ HK$94,276/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$550,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,900
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,359
−HK$1,482/mo
Today · 4.125%
HK$49,841
baseline
▲ 0.50% · 4.625%
HK$52,874
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,682/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,176
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,575
−HK$1,420/mo
Today · 4.125%
HK$54,995
baseline
▲ 0.50% · 4.625%
HK$57,894
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,990/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,300
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,176
−HK$1,906/mo
Today · 4.125%
HK$64,082
baseline
▲ 0.50% · 4.625%
HK$67,981
+HK$3,899/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,164/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,083
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,882
−HK$1,826/mo
Today · 4.125%
HK$70,708
baseline
▲ 0.50% · 4.625%
HK$74,435
+HK$3,727/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,416/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,927 · Scale 2, in force from 26 Feb 2026)