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$33,647
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,693
−HK$1,063/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,019/mo
Today · 4.125%
HK$39,454
baseline
▲ 0.50% · 4.625%
HK$41,533
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,908/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,376
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,632
−HK$1,276/mo
Today · 4.125%
HK$42,908
baseline
▲ 0.50% · 4.625%
HK$45,519
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,816/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,918
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,122
−HK$1,222/mo
Today · 4.125%
HK$47,344
baseline
▲ 0.50% · 4.625%
HK$49,840
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,688/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,105
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,570
−HK$1,489/mo
Today · 4.125%
HK$50,059
baseline
▲ 0.50% · 4.625%
HK$53,105
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,118/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,404
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,809
−HK$1,426/mo
Today · 4.125%
HK$55,235
baseline
▲ 0.50% · 4.625%
HK$58,147
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,470/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,564
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,448
−HK$1,914/mo
Today · 4.125%
HK$64,362
baseline
▲ 0.50% · 4.625%
HK$68,278
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,724/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,377
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,184
−HK$1,833/mo
Today · 4.125%
HK$71,017
baseline
▲ 0.50% · 4.625%
HK$74,760
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,034/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,335 · Scale 2, in force from 26 Feb 2026)