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$33,586
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$1,061/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,864
+HK$2,172/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,364
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,367
−HK$1,016/mo
Today · 4.125%
HK$39,383
baseline
▲ 0.50% · 4.625%
HK$41,459
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,766/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,304
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,557
−HK$1,274/mo
Today · 4.125%
HK$42,831
baseline
▲ 0.50% · 4.625%
HK$45,437
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,662/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,837
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,040
−HK$1,220/mo
Today · 4.125%
HK$47,260
baseline
▲ 0.50% · 4.625%
HK$49,751
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,520/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,021
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,483
−HK$1,486/mo
Today · 4.125%
HK$49,969
baseline
▲ 0.50% · 4.625%
HK$53,010
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,938/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,310
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,713
−HK$1,423/mo
Today · 4.125%
HK$55,136
baseline
▲ 0.50% · 4.625%
HK$58,043
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,272/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,455
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,336
−HK$1,910/mo
Today · 4.125%
HK$64,246
baseline
▲ 0.50% · 4.625%
HK$68,156
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,492/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,256
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,060
−HK$1,830/mo
Today · 4.125%
HK$70,890
baseline
▲ 0.50% · 4.625%
HK$74,626
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,780/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,345 · Scale 2, in force from 26 Feb 2026)