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$33,661
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,708
−HK$1,064/mo
Today · 4.125%
HK$35,772
baseline
▲ 0.50% · 4.625%
HK$37,949
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,544/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,448
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,452
−HK$1,019/mo
Today · 4.125%
HK$39,471
baseline
▲ 0.50% · 4.625%
HK$41,551
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,942/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,393
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,650
−HK$1,276/mo
Today · 4.125%
HK$42,926
baseline
▲ 0.50% · 4.625%
HK$45,538
+HK$2,612/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$85,852/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,937
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,142
−HK$1,223/mo
Today · 4.125%
HK$47,365
baseline
▲ 0.50% · 4.625%
HK$49,862
+HK$2,497/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$94,730/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,126
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,591
−HK$1,490/mo
Today · 4.125%
HK$50,081
baseline
▲ 0.50% · 4.625%
HK$53,128
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,162/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,427
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,833
−HK$1,426/mo
Today · 4.125%
HK$55,259
baseline
▲ 0.50% · 4.625%
HK$58,172
+HK$2,913/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,518/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,590
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,475
−HK$1,915/mo
Today · 4.125%
HK$64,390
baseline
▲ 0.50% · 4.625%
HK$68,308
+HK$3,918/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,780/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,406
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,214
−HK$1,834/mo
Today · 4.125%
HK$71,048
baseline
▲ 0.50% · 4.625%
HK$74,793
+HK$3,745/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,096/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,575 · Scale 2, in force from 26 Feb 2026)