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$33,622
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$1,063/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,905
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$552,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,405
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,408
−HK$1,017/mo
Today · 4.125%
HK$39,425
baseline
▲ 0.50% · 4.625%
HK$41,504
+HK$2,079/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,850/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$552,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,347
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,275/mo
Today · 4.125%
HK$42,877
baseline
▲ 0.50% · 4.625%
HK$45,486
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,754/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,885
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,089
−HK$1,221/mo
Today · 4.125%
HK$47,310
baseline
▲ 0.50% · 4.625%
HK$49,804
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,620/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,071
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,535
−HK$1,488/mo
Today · 4.125%
HK$50,023
baseline
▲ 0.50% · 4.625%
HK$53,067
+HK$3,044/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,046/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,366
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,771
−HK$1,425/mo
Today · 4.125%
HK$55,196
baseline
▲ 0.50% · 4.625%
HK$58,105
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,392/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,520
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,403
−HK$1,912/mo
Today · 4.125%
HK$64,315
baseline
▲ 0.50% · 4.625%
HK$68,229
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,630/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,328
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$1,832/mo
Today · 4.125%
HK$70,966
baseline
▲ 0.50% · 4.625%
HK$74,706
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,932/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,938 · Scale 2, in force from 26 Feb 2026)