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$33,551
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,595
−HK$1,060/mo
Today · 4.125%
HK$35,655
baseline
▲ 0.50% · 4.625%
HK$37,825
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,310/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,326
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,327
−HK$1,015/mo
Today · 4.125%
HK$39,342
baseline
▲ 0.50% · 4.625%
HK$41,416
+HK$2,074/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,684/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,262
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,514
−HK$1,272/mo
Today · 4.125%
HK$42,786
baseline
▲ 0.50% · 4.625%
HK$45,390
+HK$2,604/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,572/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,791
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,992
−HK$1,219/mo
Today · 4.125%
HK$47,211
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,488/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,422/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,972
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,433
−HK$1,484/mo
Today · 4.125%
HK$49,917
baseline
▲ 0.50% · 4.625%
HK$52,955
+HK$3,038/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,834/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,256
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,657
−HK$1,422/mo
Today · 4.125%
HK$55,079
baseline
▲ 0.50% · 4.625%
HK$57,982
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,158/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,392
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,271
−HK$1,909/mo
Today · 4.125%
HK$64,180
baseline
▲ 0.50% · 4.625%
HK$68,085
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,360/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,186
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,988
−HK$1,828/mo
Today · 4.125%
HK$70,816
baseline
▲ 0.50% · 4.625%
HK$74,549
+HK$3,733/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,632/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,769 · Scale 2, in force from 26 Feb 2026)