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$33,611
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$1,062/mo
Today · 4.125%
HK$35,719
baseline
▲ 0.50% · 4.625%
HK$37,892
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,438/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,392
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,395
−HK$1,017/mo
Today · 4.125%
HK$39,412
baseline
▲ 0.50% · 4.625%
HK$41,490
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,824/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,333
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,588
−HK$1,275/mo
Today · 4.125%
HK$42,863
baseline
▲ 0.50% · 4.625%
HK$45,471
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,726/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,871
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,074
−HK$1,221/mo
Today · 4.125%
HK$47,295
baseline
▲ 0.50% · 4.625%
HK$49,788
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,590/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,056
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,519
−HK$1,488/mo
Today · 4.125%
HK$50,007
baseline
▲ 0.50% · 4.625%
HK$53,049
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,014/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,349
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,753
−HK$1,424/mo
Today · 4.125%
HK$55,177
baseline
▲ 0.50% · 4.625%
HK$58,086
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,354/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,500
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,382
−HK$1,912/mo
Today · 4.125%
HK$64,294
baseline
▲ 0.50% · 4.625%
HK$68,206
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,588/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,306
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,111
−HK$1,831/mo
Today · 4.125%
HK$70,942
baseline
▲ 0.50% · 4.625%
HK$74,682
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,884/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,755 · Scale 2, in force from 26 Feb 2026)