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$33,505
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,547
−HK$1,059/mo
Today · 4.125%
HK$35,606
baseline
▲ 0.50% · 4.625%
HK$37,773
+HK$2,167/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,212/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,274
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,274
−HK$1,014/mo
Today · 4.125%
HK$39,288
baseline
▲ 0.50% · 4.625%
HK$41,359
+HK$2,071/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,576/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,206
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,457
−HK$1,270/mo
Today · 4.125%
HK$42,727
baseline
▲ 0.50% · 4.625%
HK$45,327
+HK$2,600/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,454/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,729
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,929
−HK$1,216/mo
Today · 4.125%
HK$47,145
baseline
▲ 0.50% · 4.625%
HK$49,631
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,290/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,907
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,366
−HK$1,483/mo
Today · 4.125%
HK$49,849
baseline
▲ 0.50% · 4.625%
HK$52,882
+HK$3,033/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,698/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,184
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,583
−HK$1,420/mo
Today · 4.125%
HK$55,003
baseline
▲ 0.50% · 4.625%
HK$57,902
+HK$2,899/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,006/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,309
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,185
−HK$1,906/mo
Today · 4.125%
HK$64,091
baseline
▲ 0.50% · 4.625%
HK$67,991
+HK$3,900/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,182/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,093
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,893
−HK$1,825/mo
Today · 4.125%
HK$70,718
baseline
▲ 0.50% · 4.625%
HK$74,446
+HK$3,728/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,436/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,010 · Scale 2, in force from 26 Feb 2026)