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$33,652
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,698
−HK$1,064/mo
Today · 4.125%
HK$35,762
baseline
▲ 0.50% · 4.625%
HK$37,938
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,524/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,437
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,441
−HK$1,019/mo
Today · 4.125%
HK$39,460
baseline
▲ 0.50% · 4.625%
HK$41,540
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,920/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,382
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,638
−HK$1,276/mo
Today · 4.125%
HK$42,914
baseline
▲ 0.50% · 4.625%
HK$45,525
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,828/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,924
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,129
−HK$1,222/mo
Today · 4.125%
HK$47,351
baseline
▲ 0.50% · 4.625%
HK$49,847
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,702/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,112
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,578
−HK$1,488/mo
Today · 4.125%
HK$50,066
baseline
▲ 0.50% · 4.625%
HK$53,113
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,132/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,412
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,817
−HK$1,426/mo
Today · 4.125%
HK$55,243
baseline
▲ 0.50% · 4.625%
HK$58,155
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,486/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,573
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,457
−HK$1,914/mo
Today · 4.125%
HK$64,371
baseline
▲ 0.50% · 4.625%
HK$68,288
+HK$3,917/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,742/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,387
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,194
−HK$1,833/mo
Today · 4.125%
HK$71,027
baseline
▲ 0.50% · 4.625%
HK$74,771
+HK$3,744/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,054/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,417 · Scale 2, in force from 26 Feb 2026)