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$33,592
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$1,062/mo
Today · 4.125%
HK$35,699
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,398/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,371
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,016/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,467
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,311
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,565
−HK$1,274/mo
Today · 4.125%
HK$42,839
baseline
▲ 0.50% · 4.625%
HK$45,445
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,678/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,845
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,048
−HK$1,220/mo
Today · 4.125%
HK$47,268
baseline
▲ 0.50% · 4.625%
HK$49,760
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,536/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,029
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,492
−HK$1,487/mo
Today · 4.125%
HK$49,979
baseline
▲ 0.50% · 4.625%
HK$53,020
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,958/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,320
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,723
−HK$1,423/mo
Today · 4.125%
HK$55,146
baseline
▲ 0.50% · 4.625%
HK$58,053
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,292/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,466
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,347
−HK$1,911/mo
Today · 4.125%
HK$64,258
baseline
▲ 0.50% · 4.625%
HK$68,168
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,516/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,268
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,072
−HK$1,831/mo
Today · 4.125%
HK$70,903
baseline
▲ 0.50% · 4.625%
HK$74,640
+HK$3,737/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,806/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,445 · Scale 2, in force from 26 Feb 2026)