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$33,619
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,664
−HK$1,063/mo
Today · 4.125%
HK$35,727
baseline
▲ 0.50% · 4.625%
HK$37,901
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,454/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,400
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,403
−HK$1,018/mo
Today · 4.125%
HK$39,421
baseline
▲ 0.50% · 4.625%
HK$41,499
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,842/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,342
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,597
−HK$1,275/mo
Today · 4.125%
HK$42,872
baseline
▲ 0.50% · 4.625%
HK$45,481
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,744/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,880
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,084
−HK$1,221/mo
Today · 4.125%
HK$47,305
baseline
▲ 0.50% · 4.625%
HK$49,799
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,610/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,066
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,530
−HK$1,488/mo
Today · 4.125%
HK$50,018
baseline
▲ 0.50% · 4.625%
HK$53,061
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,036/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,361
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,765
−HK$1,424/mo
Today · 4.125%
HK$55,189
baseline
▲ 0.50% · 4.625%
HK$58,098
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,378/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,513
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,396
−HK$1,912/mo
Today · 4.125%
HK$64,308
baseline
▲ 0.50% · 4.625%
HK$68,221
+HK$3,913/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,616/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,321
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,126
−HK$1,832/mo
Today · 4.125%
HK$70,958
baseline
▲ 0.50% · 4.625%
HK$74,698
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,916/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,876 · Scale 2, in force from 26 Feb 2026)