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$33,674
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,722
−HK$1,064/mo
Today · 4.125%
HK$35,786
baseline
▲ 0.50% · 4.625%
HK$37,964
+HK$2,178/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,572/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,462
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,467
−HK$1,019/mo
Today · 4.125%
HK$39,486
baseline
▲ 0.50% · 4.625%
HK$41,568
+HK$2,082/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,972/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,409
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,666
−HK$1,277/mo
Today · 4.125%
HK$42,943
baseline
▲ 0.50% · 4.625%
HK$45,556
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,886/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,955
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,161
−HK$1,223/mo
Today · 4.125%
HK$47,384
baseline
▲ 0.50% · 4.625%
HK$49,881
+HK$2,497/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,768/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,144
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,611
−HK$1,490/mo
Today · 4.125%
HK$50,101
baseline
▲ 0.50% · 4.625%
HK$53,149
+HK$3,048/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,202/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,447
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,854
−HK$1,427/mo
Today · 4.125%
HK$55,281
baseline
▲ 0.50% · 4.625%
HK$58,195
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,562/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,614
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,499
−HK$1,916/mo
Today · 4.125%
HK$64,415
baseline
▲ 0.50% · 4.625%
HK$68,334
+HK$3,919/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,830/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,432
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,241
−HK$1,835/mo
Today · 4.125%
HK$71,076
baseline
▲ 0.50% · 4.625%
HK$74,822
+HK$3,746/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,152/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,794 · Scale 2, in force from 26 Feb 2026)