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$33,597
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,642
−HK$1,061/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,876
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,376
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,017/mo
Today · 4.125%
HK$39,395
baseline
▲ 0.50% · 4.625%
HK$41,472
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,790/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,316
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,570
−HK$1,274/mo
Today · 4.125%
HK$42,844
baseline
▲ 0.50% · 4.625%
HK$45,451
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,688/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,851
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,054
−HK$1,220/mo
Today · 4.125%
HK$47,274
baseline
▲ 0.50% · 4.625%
HK$49,766
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,548/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,035
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,498
−HK$1,487/mo
Today · 4.125%
HK$49,985
baseline
▲ 0.50% · 4.625%
HK$53,026
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,970/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,326
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,729
−HK$1,424/mo
Today · 4.125%
HK$55,153
baseline
▲ 0.50% · 4.625%
HK$58,060
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,306/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,474
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,355
−HK$1,911/mo
Today · 4.125%
HK$64,266
baseline
▲ 0.50% · 4.625%
HK$68,176
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,532/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,276
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,081
−HK$1,830/mo
Today · 4.125%
HK$70,911
baseline
▲ 0.50% · 4.625%
HK$74,649
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,822/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,513 · Scale 2, in force from 26 Feb 2026)