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$33,601
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,646
−HK$1,062/mo
Today · 4.125%
HK$35,708
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,416/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,380
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,383
−HK$1,017/mo
Today · 4.125%
HK$39,400
baseline
▲ 0.50% · 4.625%
HK$41,477
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,800/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,321
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,575
−HK$1,274/mo
Today · 4.125%
HK$42,849
baseline
▲ 0.50% · 4.625%
HK$45,456
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,698/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,856
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,059
−HK$1,221/mo
Today · 4.125%
HK$47,280
baseline
▲ 0.50% · 4.625%
HK$49,772
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,560/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,041
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,504
−HK$1,487/mo
Today · 4.125%
HK$49,991
baseline
▲ 0.50% · 4.625%
HK$53,033
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,982/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,333
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,736
−HK$1,424/mo
Today · 4.125%
HK$55,160
baseline
▲ 0.50% · 4.625%
HK$58,067
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,320/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,481
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,362
−HK$1,912/mo
Today · 4.125%
HK$64,274
baseline
▲ 0.50% · 4.625%
HK$68,185
+HK$3,911/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,548/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,285
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,089
−HK$1,831/mo
Today · 4.125%
HK$70,920
baseline
▲ 0.50% · 4.625%
HK$74,658
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,840/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,580 · Scale 2, in force from 26 Feb 2026)