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$33,623
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,669
−HK$1,062/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,905
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$552,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,405
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,408
−HK$1,018/mo
Today · 4.125%
HK$39,426
baseline
▲ 0.50% · 4.625%
HK$41,504
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,852/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$552,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,347
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,276/mo
Today · 4.125%
HK$42,878
baseline
▲ 0.50% · 4.625%
HK$45,487
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,756/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,886
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,090
−HK$1,221/mo
Today · 4.125%
HK$47,311
baseline
▲ 0.50% · 4.625%
HK$49,805
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,622/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,072
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,536
−HK$1,488/mo
Today · 4.125%
HK$50,024
baseline
▲ 0.50% · 4.625%
HK$53,068
+HK$3,044/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,048/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,367
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,772
−HK$1,424/mo
Today · 4.125%
HK$55,196
baseline
▲ 0.50% · 4.625%
HK$58,106
+HK$2,910/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,392/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,521
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,404
−HK$1,912/mo
Today · 4.125%
HK$64,316
baseline
▲ 0.50% · 4.625%
HK$68,230
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,632/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,329
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,135
−HK$1,832/mo
Today · 4.125%
HK$70,967
baseline
▲ 0.50% · 4.625%
HK$74,707
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,934/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,946 · Scale 2, in force from 26 Feb 2026)