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$33,525
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,568
−HK$1,060/mo
Today · 4.125%
HK$35,628
baseline
▲ 0.50% · 4.625%
HK$37,795
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,256/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,297
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,015/mo
Today · 4.125%
HK$39,312
baseline
▲ 0.50% · 4.625%
HK$41,384
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,624/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,230
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,482
−HK$1,271/mo
Today · 4.125%
HK$42,753
baseline
▲ 0.50% · 4.625%
HK$45,355
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,506/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,756
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,956
−HK$1,218/mo
Today · 4.125%
HK$47,174
baseline
▲ 0.50% · 4.625%
HK$49,660
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,348/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,935
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,395
−HK$1,484/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,914
+HK$3,035/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,215
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,616
−HK$1,420/mo
Today · 4.125%
HK$55,036
baseline
▲ 0.50% · 4.625%
HK$57,937
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,072/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,345
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,223
−HK$1,907/mo
Today · 4.125%
HK$64,130
baseline
▲ 0.50% · 4.625%
HK$68,032
+HK$3,902/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,260/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,134
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,934
−HK$1,827/mo
Today · 4.125%
HK$70,761
baseline
▲ 0.50% · 4.625%
HK$74,491
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,522/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,341 · Scale 2, in force from 26 Feb 2026)