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$33,590
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,635
−HK$1,061/mo
Today · 4.125%
HK$35,696
baseline
▲ 0.50% · 4.625%
HK$37,868
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,392/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,368
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,370
−HK$1,017/mo
Today · 4.125%
HK$39,387
baseline
▲ 0.50% · 4.625%
HK$41,463
+HK$2,076/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,774/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,308
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,561
−HK$1,274/mo
Today · 4.125%
HK$42,835
baseline
▲ 0.50% · 4.625%
HK$45,442
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,670/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,842
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,044
−HK$1,220/mo
Today · 4.125%
HK$47,264
baseline
▲ 0.50% · 4.625%
HK$49,756
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,528/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,026
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,488
−HK$1,486/mo
Today · 4.125%
HK$49,974
baseline
▲ 0.50% · 4.625%
HK$53,015
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,948/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,315
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,719
−HK$1,423/mo
Today · 4.125%
HK$55,142
baseline
▲ 0.50% · 4.625%
HK$58,049
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,284/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,461
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,342
−HK$1,911/mo
Today · 4.125%
HK$64,253
baseline
▲ 0.50% · 4.625%
HK$68,163
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,506/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,263
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,067
−HK$1,830/mo
Today · 4.125%
HK$70,897
baseline
▲ 0.50% · 4.625%
HK$74,634
+HK$3,737/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,794/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,400 · Scale 2, in force from 26 Feb 2026)