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$33,598
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$1,062/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,877
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,410/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,377
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,380
−HK$1,017/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,794/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,318
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,572
−HK$1,274/mo
Today · 4.125%
HK$42,846
baseline
▲ 0.50% · 4.625%
HK$45,453
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,692/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,853
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,056
−HK$1,220/mo
Today · 4.125%
HK$47,276
baseline
▲ 0.50% · 4.625%
HK$49,768
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,552/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,037
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,500
−HK$1,487/mo
Today · 4.125%
HK$49,987
baseline
▲ 0.50% · 4.625%
HK$53,028
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,974/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,328
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,732
−HK$1,424/mo
Today · 4.125%
HK$55,156
baseline
▲ 0.50% · 4.625%
HK$58,063
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,312/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,476
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,358
−HK$1,911/mo
Today · 4.125%
HK$64,269
baseline
▲ 0.50% · 4.625%
HK$68,179
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,538/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,279
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,084
−HK$1,830/mo
Today · 4.125%
HK$70,914
baseline
▲ 0.50% · 4.625%
HK$74,652
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,828/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,538 · Scale 2, in force from 26 Feb 2026)