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$33,629
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,675
−HK$1,063/mo
Today · 4.125%
HK$35,738
baseline
▲ 0.50% · 4.625%
HK$37,912
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,476/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,412
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,415
−HK$1,018/mo
Today · 4.125%
HK$39,433
baseline
▲ 0.50% · 4.625%
HK$41,511
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,866/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,354
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,610
−HK$1,275/mo
Today · 4.125%
HK$42,885
baseline
▲ 0.50% · 4.625%
HK$45,494
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,770/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,894
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,098
−HK$1,221/mo
Today · 4.125%
HK$47,319
baseline
▲ 0.50% · 4.625%
HK$49,814
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,638/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,080
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,545
−HK$1,488/mo
Today · 4.125%
HK$50,033
baseline
▲ 0.50% · 4.625%
HK$53,077
+HK$3,044/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,066/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,376
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,781
−HK$1,425/mo
Today · 4.125%
HK$55,206
baseline
▲ 0.50% · 4.625%
HK$58,116
+HK$2,910/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,412/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,532
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,415
−HK$1,913/mo
Today · 4.125%
HK$64,328
baseline
▲ 0.50% · 4.625%
HK$68,242
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,656/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,341
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,147
−HK$1,832/mo
Today · 4.125%
HK$70,979
baseline
▲ 0.50% · 4.625%
HK$74,721
+HK$3,742/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,958/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,042 · Scale 2, in force from 26 Feb 2026)