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$33,567
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,611
−HK$1,061/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,843
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,343
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,016/mo
Today · 4.125%
HK$39,361
baseline
▲ 0.50% · 4.625%
HK$41,436
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,722/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,281
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,534
−HK$1,273/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,411
+HK$2,604/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,812
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,014
−HK$1,219/mo
Today · 4.125%
HK$47,233
baseline
▲ 0.50% · 4.625%
HK$49,723
+HK$2,490/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,466/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,994
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,456
−HK$1,485/mo
Today · 4.125%
HK$49,941
baseline
▲ 0.50% · 4.625%
HK$52,980
+HK$3,039/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$99,882/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,281
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,683
−HK$1,422/mo
Today · 4.125%
HK$55,105
baseline
▲ 0.50% · 4.625%
HK$58,010
+HK$2,905/mo
Deposit HK$4.42M · loan HK$10.30M · min. income ≈ HK$110,210/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,421
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,301
−HK$1,909/mo
Today · 4.125%
HK$64,210
baseline
▲ 0.50% · 4.625%
HK$68,117
+HK$3,907/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,420/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,218
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,021
−HK$1,828/mo
Today · 4.125%
HK$70,849
baseline
▲ 0.50% · 4.625%
HK$74,584
+HK$3,735/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,698/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,032 · Scale 2, in force from 26 Feb 2026)