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$33,612
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$1,062/mo
Today · 4.125%
HK$35,719
baseline
▲ 0.50% · 4.625%
HK$37,893
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,438/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,393
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,396
−HK$1,017/mo
Today · 4.125%
HK$39,413
baseline
▲ 0.50% · 4.625%
HK$41,490
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,826/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,334
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,589
−HK$1,274/mo
Today · 4.125%
HK$42,863
baseline
▲ 0.50% · 4.625%
HK$45,472
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,726/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,871
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,075
−HK$1,221/mo
Today · 4.125%
HK$47,296
baseline
▲ 0.50% · 4.625%
HK$49,789
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,592/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,056
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,520
−HK$1,487/mo
Today · 4.125%
HK$50,007
baseline
▲ 0.50% · 4.625%
HK$53,050
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,014/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,350
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,754
−HK$1,424/mo
Today · 4.125%
HK$55,178
baseline
▲ 0.50% · 4.625%
HK$58,087
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,356/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,501
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,383
−HK$1,912/mo
Today · 4.125%
HK$64,295
baseline
▲ 0.50% · 4.625%
HK$68,207
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,590/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,307
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,112
−HK$1,831/mo
Today · 4.125%
HK$70,943
baseline
▲ 0.50% · 4.625%
HK$74,683
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,886/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,763 · Scale 2, in force from 26 Feb 2026)