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$33,667
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,714
−HK$1,064/mo
Today · 4.125%
HK$35,778
baseline
▲ 0.50% · 4.625%
HK$37,955
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,556/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,454
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,459
−HK$1,019/mo
Today · 4.125%
HK$39,478
baseline
▲ 0.50% · 4.625%
HK$41,559
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,956/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,401
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,657
−HK$1,277/mo
Today · 4.125%
HK$42,934
baseline
▲ 0.50% · 4.625%
HK$45,546
+HK$2,612/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,868/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,945
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,151
−HK$1,222/mo
Today · 4.125%
HK$47,373
baseline
▲ 0.50% · 4.625%
HK$49,871
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,746/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,134
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,600
−HK$1,490/mo
Today · 4.125%
HK$50,090
baseline
▲ 0.50% · 4.625%
HK$53,137
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,180/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,436
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,842
−HK$1,427/mo
Today · 4.125%
HK$55,269
baseline
▲ 0.50% · 4.625%
HK$58,182
+HK$2,913/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,538/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,601
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,486
−HK$1,915/mo
Today · 4.125%
HK$64,401
baseline
▲ 0.50% · 4.625%
HK$68,320
+HK$3,919/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,802/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,418
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,226
−HK$1,834/mo
Today · 4.125%
HK$71,060
baseline
▲ 0.50% · 4.625%
HK$74,806
+HK$3,746/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,120/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,673 · Scale 2, in force from 26 Feb 2026)