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$33,641
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$1,063/mo
Today · 4.125%
HK$35,751
baseline
▲ 0.50% · 4.625%
HK$37,926
+HK$2,175/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,502/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,426
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,429
−HK$1,019/mo
Today · 4.125%
HK$39,448
baseline
▲ 0.50% · 4.625%
HK$41,527
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,896/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,370
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,625
−HK$1,276/mo
Today · 4.125%
HK$42,901
baseline
▲ 0.50% · 4.625%
HK$45,512
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,802/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,911
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,115
−HK$1,222/mo
Today · 4.125%
HK$47,337
baseline
▲ 0.50% · 4.625%
HK$49,832
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,674/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,098
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,563
−HK$1,488/mo
Today · 4.125%
HK$50,051
baseline
▲ 0.50% · 4.625%
HK$53,097
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,102/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,396
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,801
−HK$1,426/mo
Today · 4.125%
HK$55,227
baseline
▲ 0.50% · 4.625%
HK$58,138
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,454/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,555
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,438
−HK$1,914/mo
Today · 4.125%
HK$64,352
baseline
▲ 0.50% · 4.625%
HK$68,267
+HK$3,915/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,704/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,366
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,173
−HK$1,833/mo
Today · 4.125%
HK$71,006
baseline
▲ 0.50% · 4.625%
HK$74,749
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,012/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,251 · Scale 2, in force from 26 Feb 2026)