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$33,515
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,558
−HK$1,059/mo
Today · 4.125%
HK$35,617
baseline
▲ 0.50% · 4.625%
HK$37,784
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,234/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,285
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,285
−HK$1,014/mo
Today · 4.125%
HK$39,299
baseline
▲ 0.50% · 4.625%
HK$41,371
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,598/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,218
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,469
−HK$1,271/mo
Today · 4.125%
HK$42,740
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,480/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,742
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,942
−HK$1,217/mo
Today · 4.125%
HK$47,159
baseline
▲ 0.50% · 4.625%
HK$49,645
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,318/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,921
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,381
−HK$1,482/mo
Today · 4.125%
HK$49,863
baseline
▲ 0.50% · 4.625%
HK$52,897
+HK$3,034/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,726/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,199
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,599
−HK$1,420/mo
Today · 4.125%
HK$55,019
baseline
▲ 0.50% · 4.625%
HK$57,919
+HK$2,900/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,038/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,327
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,204
−HK$1,906/mo
Today · 4.125%
HK$64,110
baseline
▲ 0.50% · 4.625%
HK$68,011
+HK$3,901/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,220/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,113
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,913
−HK$1,826/mo
Today · 4.125%
HK$70,739
baseline
▲ 0.50% · 4.625%
HK$74,468
+HK$3,729/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,478/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,172 · Scale 2, in force from 26 Feb 2026)