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$33,679
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,727
−HK$1,064/mo
Today · 4.125%
HK$35,791
baseline
▲ 0.50% · 4.625%
HK$37,969
+HK$2,178/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,582/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,468
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,473
−HK$1,019/mo
Today · 4.125%
HK$39,492
baseline
▲ 0.50% · 4.625%
HK$41,574
+HK$2,082/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,984/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,415
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,672
−HK$1,278/mo
Today · 4.125%
HK$42,950
baseline
▲ 0.50% · 4.625%
HK$45,563
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,900/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,962
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,167
−HK$1,224/mo
Today · 4.125%
HK$47,391
baseline
▲ 0.50% · 4.625%
HK$49,889
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,782/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,151
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,618
−HK$1,490/mo
Today · 4.125%
HK$50,108
baseline
▲ 0.50% · 4.625%
HK$53,157
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,216/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,455
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,862
−HK$1,427/mo
Today · 4.125%
HK$55,289
baseline
▲ 0.50% · 4.625%
HK$58,204
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,578/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,623
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,509
−HK$1,915/mo
Today · 4.125%
HK$64,424
baseline
▲ 0.50% · 4.625%
HK$68,345
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,848/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,442
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,251
−HK$1,835/mo
Today · 4.125%
HK$71,086
baseline
▲ 0.50% · 4.625%
HK$74,833
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,172/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,875 · Scale 2, in force from 26 Feb 2026)