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$33,664
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,711
−HK$1,064/mo
Today · 4.125%
HK$35,775
baseline
▲ 0.50% · 4.625%
HK$37,952
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,550/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,451
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,456
−HK$1,019/mo
Today · 4.125%
HK$39,475
baseline
▲ 0.50% · 4.625%
HK$41,555
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,950/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,397
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,654
−HK$1,276/mo
Today · 4.125%
HK$42,930
baseline
▲ 0.50% · 4.625%
HK$45,543
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,860/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,941
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,147
−HK$1,222/mo
Today · 4.125%
HK$47,369
baseline
▲ 0.50% · 4.625%
HK$49,866
+HK$2,497/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,738/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,130
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,596
−HK$1,489/mo
Today · 4.125%
HK$50,085
baseline
▲ 0.50% · 4.625%
HK$53,133
+HK$3,048/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,170/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,432
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,838
−HK$1,426/mo
Today · 4.125%
HK$55,264
baseline
▲ 0.50% · 4.625%
HK$58,177
+HK$2,913/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,528/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,596
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,481
−HK$1,915/mo
Today · 4.125%
HK$64,396
baseline
▲ 0.50% · 4.625%
HK$68,314
+HK$3,918/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,792/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,412
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,220
−HK$1,834/mo
Today · 4.125%
HK$71,054
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$3,746/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,108/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,627 · Scale 2, in force from 26 Feb 2026)