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$33,679
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,727
−HK$1,064/mo
Today · 4.125%
HK$35,791
baseline
▲ 0.50% · 4.625%
HK$37,969
+HK$2,178/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,582/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,468
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,472
−HK$1,020/mo
Today · 4.125%
HK$39,492
baseline
▲ 0.50% · 4.625%
HK$41,573
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,984/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,415
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,672
−HK$1,277/mo
Today · 4.125%
HK$42,949
baseline
▲ 0.50% · 4.625%
HK$45,563
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,898/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,961
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,167
−HK$1,223/mo
Today · 4.125%
HK$47,390
baseline
▲ 0.50% · 4.625%
HK$49,888
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,780/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,151
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,617
−HK$1,490/mo
Today · 4.125%
HK$50,107
baseline
▲ 0.50% · 4.625%
HK$53,156
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,214/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,455
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,861
−HK$1,428/mo
Today · 4.125%
HK$55,289
baseline
▲ 0.50% · 4.625%
HK$58,203
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,578/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,622
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,508
−HK$1,916/mo
Today · 4.125%
HK$64,424
baseline
▲ 0.50% · 4.625%
HK$68,344
+HK$3,920/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,848/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,442
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,250
−HK$1,835/mo
Today · 4.125%
HK$71,085
baseline
▲ 0.50% · 4.625%
HK$74,832
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,170/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,869 · Scale 2, in force from 26 Feb 2026)