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$33,598
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$1,061/mo
Today · 4.125%
HK$35,704
baseline
▲ 0.50% · 4.625%
HK$37,877
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,408/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,377
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,379
−HK$1,017/mo
Today · 4.125%
HK$39,396
baseline
▲ 0.50% · 4.625%
HK$41,473
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,792/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,317
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,571
−HK$1,274/mo
Today · 4.125%
HK$42,845
baseline
▲ 0.50% · 4.625%
HK$45,452
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,690/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,852
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,055
−HK$1,221/mo
Today · 4.125%
HK$47,276
baseline
▲ 0.50% · 4.625%
HK$49,768
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,552/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,037
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,500
−HK$1,486/mo
Today · 4.125%
HK$49,986
baseline
▲ 0.50% · 4.625%
HK$53,028
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,972/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,328
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,731
−HK$1,424/mo
Today · 4.125%
HK$55,155
baseline
▲ 0.50% · 4.625%
HK$58,062
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,310/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,476
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,357
−HK$1,911/mo
Today · 4.125%
HK$64,268
baseline
▲ 0.50% · 4.625%
HK$68,178
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,536/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,278
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,083
−HK$1,830/mo
Today · 4.125%
HK$70,913
baseline
▲ 0.50% · 4.625%
HK$74,651
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,826/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,529 · Scale 2, in force from 26 Feb 2026)