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$33,702
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$1,065/mo
Today · 4.125%
HK$35,816
baseline
▲ 0.50% · 4.625%
HK$37,995
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,632/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,494
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,499
−HK$1,020/mo
Today · 4.125%
HK$39,519
baseline
▲ 0.50% · 4.625%
HK$41,602
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,038/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,443
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,701
−HK$1,278/mo
Today · 4.125%
HK$42,979
baseline
▲ 0.50% · 4.625%
HK$45,594
+HK$2,615/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,958/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,992
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,199
−HK$1,224/mo
Today · 4.125%
HK$47,423
baseline
▲ 0.50% · 4.625%
HK$49,923
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,846/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,183
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,651
−HK$1,491/mo
Today · 4.125%
HK$50,142
baseline
▲ 0.50% · 4.625%
HK$53,193
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,284/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,491
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,899
−HK$1,428/mo
Today · 4.125%
HK$55,327
baseline
▲ 0.50% · 4.625%
HK$58,243
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,654/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,664
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,551
−HK$1,918/mo
Today · 4.125%
HK$64,469
baseline
▲ 0.50% · 4.625%
HK$68,391
+HK$3,922/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,938/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,489
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,299
−HK$1,836/mo
Today · 4.125%
HK$71,135
baseline
▲ 0.50% · 4.625%
HK$74,884
+HK$3,749/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,270/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,255 · Scale 2, in force from 26 Feb 2026)