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$33,608
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,653
−HK$1,062/mo
Today · 4.125%
HK$35,715
baseline
▲ 0.50% · 4.625%
HK$37,888
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,430/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,388
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,391
−HK$1,017/mo
Today · 4.125%
HK$39,408
baseline
▲ 0.50% · 4.625%
HK$41,486
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,816/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,329
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,584
−HK$1,274/mo
Today · 4.125%
HK$42,858
baseline
▲ 0.50% · 4.625%
HK$45,466
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,716/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,866
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,069
−HK$1,221/mo
Today · 4.125%
HK$47,290
baseline
▲ 0.50% · 4.625%
HK$49,783
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,580/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,051
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,514
−HK$1,487/mo
Today · 4.125%
HK$50,001
baseline
▲ 0.50% · 4.625%
HK$53,044
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,002/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,344
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,747
−HK$1,425/mo
Today · 4.125%
HK$55,172
baseline
▲ 0.50% · 4.625%
HK$58,080
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,344/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,494
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,376
−HK$1,912/mo
Today · 4.125%
HK$64,288
baseline
▲ 0.50% · 4.625%
HK$68,199
+HK$3,911/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,576/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,299
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,104
−HK$1,831/mo
Today · 4.125%
HK$70,935
baseline
▲ 0.50% · 4.625%
HK$74,674
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,870/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,698 · Scale 2, in force from 26 Feb 2026)