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$33,528
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$1,060/mo
Today · 4.125%
HK$35,631
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,262/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,300
−HK$1,015/mo
Today · 4.125%
HK$39,315
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,630/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,234
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,486
−HK$1,271/mo
Today · 4.125%
HK$42,757
baseline
▲ 0.50% · 4.625%
HK$45,359
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,514/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,760
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,961
−HK$1,217/mo
Today · 4.125%
HK$47,178
baseline
▲ 0.50% · 4.625%
HK$49,665
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,356/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,940
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,400
−HK$1,483/mo
Today · 4.125%
HK$49,883
baseline
▲ 0.50% · 4.625%
HK$52,919
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,766/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,220
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,621
−HK$1,420/mo
Today · 4.125%
HK$55,041
baseline
▲ 0.50% · 4.625%
HK$57,943
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,082/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,351
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,228
−HK$1,908/mo
Today · 4.125%
HK$64,136
baseline
▲ 0.50% · 4.625%
HK$68,038
+HK$3,902/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,272/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,140
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,941
−HK$1,827/mo
Today · 4.125%
HK$70,768
baseline
▲ 0.50% · 4.625%
HK$74,498
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,536/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,393 · Scale 2, in force from 26 Feb 2026)