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$33,657
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$1,064/mo
Today · 4.125%
HK$35,768
baseline
▲ 0.50% · 4.625%
HK$37,944
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,536/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,448
−HK$1,018/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,389
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,645
−HK$1,277/mo
Today · 4.125%
HK$42,922
baseline
▲ 0.50% · 4.625%
HK$45,533
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$85,844/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,932
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,137
−HK$1,223/mo
Today · 4.125%
HK$47,360
baseline
▲ 0.50% · 4.625%
HK$49,856
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$94,720/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,120
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,586
−HK$1,489/mo
Today · 4.125%
HK$50,075
baseline
▲ 0.50% · 4.625%
HK$53,122
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,150/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,421
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,827
−HK$1,426/mo
Today · 4.125%
HK$55,253
baseline
▲ 0.50% · 4.625%
HK$58,165
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,506/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,583
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,468
−HK$1,914/mo
Today · 4.125%
HK$64,382
baseline
▲ 0.50% · 4.625%
HK$68,300
+HK$3,918/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,764/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,398
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,206
−HK$1,834/mo
Today · 4.125%
HK$71,040
baseline
▲ 0.50% · 4.625%
HK$74,784
+HK$3,744/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,080/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,513 · Scale 2, in force from 26 Feb 2026)