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$33,604
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,649
−HK$1,062/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,884
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,384
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,386
−HK$1,017/mo
Today · 4.125%
HK$39,403
baseline
▲ 0.50% · 4.625%
HK$41,480
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,806/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,324
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,579
−HK$1,274/mo
Today · 4.125%
HK$42,853
baseline
▲ 0.50% · 4.625%
HK$45,460
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,706/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,860
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,063
−HK$1,221/mo
Today · 4.125%
HK$47,284
baseline
▲ 0.50% · 4.625%
HK$49,776
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,568/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,045
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,508
−HK$1,487/mo
Today · 4.125%
HK$49,995
baseline
▲ 0.50% · 4.625%
HK$53,037
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$99,990/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,337
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,741
−HK$1,424/mo
Today · 4.125%
HK$55,165
baseline
▲ 0.50% · 4.625%
HK$58,072
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,330/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,486
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,368
−HK$1,911/mo
Today · 4.125%
HK$64,279
baseline
▲ 0.50% · 4.625%
HK$68,191
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,558/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,291
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,095
−HK$1,831/mo
Today · 4.125%
HK$70,926
baseline
▲ 0.50% · 4.625%
HK$74,665
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,852/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,629 · Scale 2, in force from 26 Feb 2026)