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$33,557
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,601
−HK$1,060/mo
Today · 4.125%
HK$35,661
baseline
▲ 0.50% · 4.625%
HK$37,831
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,322/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,332
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,333
−HK$1,016/mo
Today · 4.125%
HK$39,349
baseline
▲ 0.50% · 4.625%
HK$41,423
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,698/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,268
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,521
−HK$1,273/mo
Today · 4.125%
HK$42,794
baseline
▲ 0.50% · 4.625%
HK$45,397
+HK$2,603/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,588/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,798
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$46,000
−HK$1,218/mo
Today · 4.125%
HK$47,218
baseline
▲ 0.50% · 4.625%
HK$49,707
+HK$2,489/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,436/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,980
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,441
−HK$1,485/mo
Today · 4.125%
HK$49,926
baseline
▲ 0.50% · 4.625%
HK$52,964
+HK$3,038/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,852/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,264
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,666
−HK$1,422/mo
Today · 4.125%
HK$55,088
baseline
▲ 0.50% · 4.625%
HK$57,992
+HK$2,904/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,176/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,402
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,281
−HK$1,909/mo
Today · 4.125%
HK$64,190
baseline
▲ 0.50% · 4.625%
HK$68,096
+HK$3,906/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,380/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,197
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$68,999
−HK$1,829/mo
Today · 4.125%
HK$70,828
baseline
▲ 0.50% · 4.625%
HK$74,561
+HK$3,733/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,656/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,862 · Scale 2, in force from 26 Feb 2026)