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$33,618
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,664
−HK$1,062/mo
Today · 4.125%
HK$35,726
baseline
▲ 0.50% · 4.625%
HK$37,900
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,452/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,400
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,403
−HK$1,017/mo
Today · 4.125%
HK$39,420
baseline
▲ 0.50% · 4.625%
HK$41,498
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,840/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,342
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,596
−HK$1,275/mo
Today · 4.125%
HK$42,871
baseline
▲ 0.50% · 4.625%
HK$45,480
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,742/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,880
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,083
−HK$1,221/mo
Today · 4.125%
HK$47,304
baseline
▲ 0.50% · 4.625%
HK$49,798
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,608/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,065
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,529
−HK$1,488/mo
Today · 4.125%
HK$50,017
baseline
▲ 0.50% · 4.625%
HK$53,060
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,034/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,360
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,764
−HK$1,424/mo
Today · 4.125%
HK$55,188
baseline
▲ 0.50% · 4.625%
HK$58,097
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,376/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,512
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,395
−HK$1,912/mo
Today · 4.125%
HK$64,307
baseline
▲ 0.50% · 4.625%
HK$68,220
+HK$3,913/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,614/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,319
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,125
−HK$1,832/mo
Today · 4.125%
HK$70,957
baseline
▲ 0.50% · 4.625%
HK$74,697
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,914/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,866 · Scale 2, in force from 26 Feb 2026)