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$33,534
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,577
−HK$1,059/mo
Today · 4.125%
HK$35,636
baseline
▲ 0.50% · 4.625%
HK$37,805
+HK$2,169/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,272/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,306
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,306
−HK$1,015/mo
Today · 4.125%
HK$39,321
baseline
▲ 0.50% · 4.625%
HK$41,394
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,642/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,240
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,492
−HK$1,272/mo
Today · 4.125%
HK$42,764
baseline
▲ 0.50% · 4.625%
HK$45,366
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,528/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,767
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,968
−HK$1,218/mo
Today · 4.125%
HK$47,186
baseline
▲ 0.50% · 4.625%
HK$49,673
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,372/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,947
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,407
−HK$1,484/mo
Today · 4.125%
HK$49,891
baseline
▲ 0.50% · 4.625%
HK$52,927
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,782/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,228
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,629
−HK$1,421/mo
Today · 4.125%
HK$55,050
baseline
▲ 0.50% · 4.625%
HK$57,952
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,100/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,360
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,238
−HK$1,908/mo
Today · 4.125%
HK$64,146
baseline
▲ 0.50% · 4.625%
HK$68,049
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,292/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,150
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,951
−HK$1,827/mo
Today · 4.125%
HK$70,778
baseline
▲ 0.50% · 4.625%
HK$74,509
+HK$3,731/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,556/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,478 · Scale 2, in force from 26 Feb 2026)