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$33,532
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,575
−HK$1,060/mo
Today · 4.125%
HK$35,635
baseline
▲ 0.50% · 4.625%
HK$37,803
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,270/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,304
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,305
−HK$1,015/mo
Today · 4.125%
HK$39,320
baseline
▲ 0.50% · 4.625%
HK$41,392
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,640/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,239
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,490
−HK$1,272/mo
Today · 4.125%
HK$42,762
baseline
▲ 0.50% · 4.625%
HK$45,364
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,524/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,765
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,966
−HK$1,218/mo
Today · 4.125%
HK$47,184
baseline
▲ 0.50% · 4.625%
HK$49,671
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,368/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,945
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,405
−HK$1,484/mo
Today · 4.125%
HK$49,889
baseline
▲ 0.50% · 4.625%
HK$52,925
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,778/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,226
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,627
−HK$1,421/mo
Today · 4.125%
HK$55,048
baseline
▲ 0.50% · 4.625%
HK$57,949
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,096/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,358
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,236
−HK$1,907/mo
Today · 4.125%
HK$64,143
baseline
▲ 0.50% · 4.625%
HK$68,046
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,286/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,148
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,949
−HK$1,827/mo
Today · 4.125%
HK$70,776
baseline
▲ 0.50% · 4.625%
HK$74,506
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,552/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,456 · Scale 2, in force from 26 Feb 2026)