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$33,676
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,724
−HK$1,064/mo
Today · 4.125%
HK$35,788
baseline
▲ 0.50% · 4.625%
HK$37,966
+HK$2,178/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,576/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,465
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,019/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,570
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,412
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,669
−HK$1,277/mo
Today · 4.125%
HK$42,946
baseline
▲ 0.50% · 4.625%
HK$45,559
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,892/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,958
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,163
−HK$1,224/mo
Today · 4.125%
HK$47,387
baseline
▲ 0.50% · 4.625%
HK$49,884
+HK$2,497/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,774/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,147
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,614
−HK$1,490/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$53,152
+HK$3,048/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,208/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,451
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,857
−HK$1,427/mo
Today · 4.125%
HK$55,284
baseline
▲ 0.50% · 4.625%
HK$58,198
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,568/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,618
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,503
−HK$1,916/mo
Today · 4.125%
HK$64,419
baseline
▲ 0.50% · 4.625%
HK$68,339
+HK$3,920/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,838/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,437
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,245
−HK$1,835/mo
Today · 4.125%
HK$71,080
baseline
▲ 0.50% · 4.625%
HK$74,827
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,160/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,828 · Scale 2, in force from 26 Feb 2026)