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$33,655
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,701
−HK$1,064/mo
Today · 4.125%
HK$35,765
baseline
▲ 0.50% · 4.625%
HK$37,941
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,530/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,440
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,019/mo
Today · 4.125%
HK$39,463
baseline
▲ 0.50% · 4.625%
HK$41,543
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,926/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,385
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,642
−HK$1,276/mo
Today · 4.125%
HK$42,918
baseline
▲ 0.50% · 4.625%
HK$45,529
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$85,836/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,928
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,133
−HK$1,223/mo
Today · 4.125%
HK$47,356
baseline
▲ 0.50% · 4.625%
HK$49,852
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$94,712/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,116
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,582
−HK$1,489/mo
Today · 4.125%
HK$50,071
baseline
▲ 0.50% · 4.625%
HK$53,118
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,142/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,416
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,822
−HK$1,426/mo
Today · 4.125%
HK$55,248
baseline
▲ 0.50% · 4.625%
HK$58,161
+HK$2,913/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,496/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,578
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,462
−HK$1,915/mo
Today · 4.125%
HK$64,377
baseline
▲ 0.50% · 4.625%
HK$68,294
+HK$3,917/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,754/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,393
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,200
−HK$1,834/mo
Today · 4.125%
HK$71,034
baseline
▲ 0.50% · 4.625%
HK$74,778
+HK$3,744/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,068/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,466 · Scale 2, in force from 26 Feb 2026)