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$33,511
−HK$2,101/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$551,099 · 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$41,366
+HK$2,072/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$551,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,213
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,270/mo
Today · 4.125%
HK$42,734
baseline
▲ 0.50% · 4.625%
HK$45,335
+HK$2,601/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$551,099 · 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$49,639
+HK$2,486/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$551,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,915
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,374
−HK$1,483/mo
Today · 4.125%
HK$49,857
baseline
▲ 0.50% · 4.625%
HK$52,890
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,714/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,099 · 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$57,912
+HK$2,900/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$551,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,319
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,195
−HK$1,907/mo
Today · 4.125%
HK$64,102
baseline
▲ 0.50% · 4.625%
HK$68,002
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,204/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,104
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,904
−HK$1,826/mo
Today · 4.125%
HK$70,730
baseline
▲ 0.50% · 4.625%
HK$74,458
+HK$3,728/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,460/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,099 · Scale 2, in force from 26 Feb 2026)