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$33,510
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,553
−HK$1,059/mo
Today · 4.125%
HK$35,612
baseline
▲ 0.50% · 4.625%
HK$37,779
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,224/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,280
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,280
−HK$1,014/mo
Today · 4.125%
HK$39,294
baseline
▲ 0.50% · 4.625%
HK$41,365
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,588/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,212
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,463
−HK$1,271/mo
Today · 4.125%
HK$42,734
baseline
▲ 0.50% · 4.625%
HK$45,334
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,468/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,736
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,936
−HK$1,217/mo
Today · 4.125%
HK$47,153
baseline
▲ 0.50% · 4.625%
HK$49,638
+HK$2,485/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,306/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,914
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,374
−HK$1,482/mo
Today · 4.125%
HK$49,856
baseline
▲ 0.50% · 4.625%
HK$52,890
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,712/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,192
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,592
−HK$1,420/mo
Today · 4.125%
HK$55,012
baseline
▲ 0.50% · 4.625%
HK$57,911
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,024/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,318
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,195
−HK$1,906/mo
Today · 4.125%
HK$64,101
baseline
▲ 0.50% · 4.625%
HK$68,001
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,202/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,104
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,903
−HK$1,826/mo
Today · 4.125%
HK$70,729
baseline
▲ 0.50% · 4.625%
HK$74,457
+HK$3,728/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,458/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,094 · Scale 2, in force from 26 Feb 2026)