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$33,657
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$1,063/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,944
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,019/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,546
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,388
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,644
−HK$1,277/mo
Today · 4.125%
HK$42,921
baseline
▲ 0.50% · 4.625%
HK$45,532
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$85,842/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,931
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,136
−HK$1,223/mo
Today · 4.125%
HK$47,359
baseline
▲ 0.50% · 4.625%
HK$49,855
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$94,718/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,119
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,585
−HK$1,489/mo
Today · 4.125%
HK$50,074
baseline
▲ 0.50% · 4.625%
HK$53,121
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,148/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,420
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,826
−HK$1,426/mo
Today · 4.125%
HK$55,252
baseline
▲ 0.50% · 4.625%
HK$58,164
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,504/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,582
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,467
−HK$1,914/mo
Today · 4.125%
HK$64,381
baseline
▲ 0.50% · 4.625%
HK$68,299
+HK$3,918/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,762/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,397
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,205
−HK$1,833/mo
Today · 4.125%
HK$71,038
baseline
▲ 0.50% · 4.625%
HK$74,783
+HK$3,745/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,076/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,503 · Scale 2, in force from 26 Feb 2026)