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$33,643
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,689
−HK$1,064/mo
Today · 4.125%
HK$35,753
baseline
▲ 0.50% · 4.625%
HK$37,928
+HK$2,175/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,506/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,427
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,431
−HK$1,019/mo
Today · 4.125%
HK$39,450
baseline
▲ 0.50% · 4.625%
HK$41,529
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,900/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,372
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,627
−HK$1,276/mo
Today · 4.125%
HK$42,903
baseline
▲ 0.50% · 4.625%
HK$45,514
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,806/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,913
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,118
−HK$1,221/mo
Today · 4.125%
HK$47,339
baseline
▲ 0.50% · 4.625%
HK$49,835
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,678/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,100
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,565
−HK$1,489/mo
Today · 4.125%
HK$50,054
baseline
▲ 0.50% · 4.625%
HK$53,099
+HK$3,045/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,108/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,398
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,804
−HK$1,425/mo
Today · 4.125%
HK$55,229
baseline
▲ 0.50% · 4.625%
HK$58,141
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,458/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,557
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,441
−HK$1,914/mo
Today · 4.125%
HK$64,355
baseline
▲ 0.50% · 4.625%
HK$68,271
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,710/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,369
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,176
−HK$1,833/mo
Today · 4.125%
HK$71,009
baseline
▲ 0.50% · 4.625%
HK$74,752
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,018/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,277 · Scale 2, in force from 26 Feb 2026)