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$33,581
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$1,061/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,858
+HK$2,172/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,358
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,017/mo
Today · 4.125%
HK$39,377
baseline
▲ 0.50% · 4.625%
HK$41,452
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,754/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,297
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,550
−HK$1,274/mo
Today · 4.125%
HK$42,824
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,648/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,830
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,032
−HK$1,220/mo
Today · 4.125%
HK$47,252
baseline
▲ 0.50% · 4.625%
HK$49,743
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,504/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,013
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,475
−HK$1,486/mo
Today · 4.125%
HK$49,961
baseline
▲ 0.50% · 4.625%
HK$53,001
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,922/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,301
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,704
−HK$1,423/mo
Today · 4.125%
HK$55,127
baseline
▲ 0.50% · 4.625%
HK$58,033
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,254/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,445
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,325
−HK$1,911/mo
Today · 4.125%
HK$64,236
baseline
▲ 0.50% · 4.625%
HK$68,144
+HK$3,908/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,472/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,245
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,048
−HK$1,830/mo
Today · 4.125%
HK$70,878
baseline
▲ 0.50% · 4.625%
HK$74,614
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,756/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,252 · Scale 2, in force from 26 Feb 2026)