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$33,508
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,550
−HK$1,059/mo
Today · 4.125%
HK$35,609
baseline
▲ 0.50% · 4.625%
HK$37,776
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,218/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,277
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,277
−HK$1,014/mo
Today · 4.125%
HK$39,291
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,582/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,209
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,460
−HK$1,271/mo
Today · 4.125%
HK$42,731
baseline
▲ 0.50% · 4.625%
HK$45,331
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,462/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,733
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,932
−HK$1,217/mo
Today · 4.125%
HK$47,149
baseline
▲ 0.50% · 4.625%
HK$49,635
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,298/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,911
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,370
−HK$1,483/mo
Today · 4.125%
HK$49,853
baseline
▲ 0.50% · 4.625%
HK$52,886
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,706/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,188
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,588
−HK$1,420/mo
Today · 4.125%
HK$55,008
baseline
▲ 0.50% · 4.625%
HK$57,907
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,016/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,314
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,190
−HK$1,906/mo
Today · 4.125%
HK$64,096
baseline
▲ 0.50% · 4.625%
HK$67,996
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,192/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,099
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,898
−HK$1,826/mo
Today · 4.125%
HK$70,724
baseline
▲ 0.50% · 4.625%
HK$74,452
+HK$3,728/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,448/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,054 · Scale 2, in force from 26 Feb 2026)