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$33,642
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,689
−HK$1,063/mo
Today · 4.125%
HK$35,752
baseline
▲ 0.50% · 4.625%
HK$37,928
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,504/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,427
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,431
−HK$1,018/mo
Today · 4.125%
HK$39,449
baseline
▲ 0.50% · 4.625%
HK$41,528
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,898/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,371
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,627
−HK$1,275/mo
Today · 4.125%
HK$42,902
baseline
▲ 0.50% · 4.625%
HK$45,513
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,804/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,912
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,117
−HK$1,222/mo
Today · 4.125%
HK$47,339
baseline
▲ 0.50% · 4.625%
HK$49,834
+HK$2,495/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$553,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,099
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,564
−HK$1,489/mo
Today · 4.125%
HK$50,053
baseline
▲ 0.50% · 4.625%
HK$53,099
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,106/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,398
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,803
−HK$1,425/mo
Today · 4.125%
HK$55,228
baseline
▲ 0.50% · 4.625%
HK$58,140
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,456/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,556
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,440
−HK$1,914/mo
Today · 4.125%
HK$64,354
baseline
▲ 0.50% · 4.625%
HK$68,270
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,708/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,368
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,175
−HK$1,833/mo
Today · 4.125%
HK$71,008
baseline
▲ 0.50% · 4.625%
HK$74,751
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,016/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,267 · Scale 2, in force from 26 Feb 2026)