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$33,706
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,754
−HK$1,065/mo
Today · 4.125%
HK$35,819
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,638/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,497
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,503
−HK$1,020/mo
Today · 4.125%
HK$39,523
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,046/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,447
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,705
−HK$1,278/mo
Today · 4.125%
HK$42,983
baseline
▲ 0.50% · 4.625%
HK$45,599
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,966/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,997
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,203
−HK$1,225/mo
Today · 4.125%
HK$47,428
baseline
▲ 0.50% · 4.625%
HK$49,928
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,856/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,188
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,656
−HK$1,491/mo
Today · 4.125%
HK$50,147
baseline
▲ 0.50% · 4.625%
HK$53,198
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,294/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,496
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,904
−HK$1,428/mo
Today · 4.125%
HK$55,332
baseline
▲ 0.50% · 4.625%
HK$58,249
+HK$2,917/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,664/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,670
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,557
−HK$1,918/mo
Today · 4.125%
HK$64,475
baseline
▲ 0.50% · 4.625%
HK$68,398
+HK$3,923/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,950/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,495
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,305
−HK$1,836/mo
Today · 4.125%
HK$71,141
baseline
▲ 0.50% · 4.625%
HK$74,891
+HK$3,750/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,282/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,307 · Scale 2, in force from 26 Feb 2026)