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$33,699
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,747
−HK$1,065/mo
Today · 4.125%
HK$35,812
baseline
▲ 0.50% · 4.625%
HK$37,991
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,624/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,489
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,495
−HK$1,020/mo
Today · 4.125%
HK$39,515
baseline
▲ 0.50% · 4.625%
HK$41,598
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,030/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,438
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,696
−HK$1,278/mo
Today · 4.125%
HK$42,974
baseline
▲ 0.50% · 4.625%
HK$45,589
+HK$2,615/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,948/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,987
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,194
−HK$1,224/mo
Today · 4.125%
HK$47,418
baseline
▲ 0.50% · 4.625%
HK$49,917
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,836/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,178
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,645
−HK$1,491/mo
Today · 4.125%
HK$50,136
baseline
▲ 0.50% · 4.625%
HK$53,187
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,272/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,485
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,893
−HK$1,428/mo
Today · 4.125%
HK$55,321
baseline
▲ 0.50% · 4.625%
HK$58,237
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,642/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,657
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,544
−HK$1,917/mo
Today · 4.125%
HK$64,461
baseline
▲ 0.50% · 4.625%
HK$68,383
+HK$3,922/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,922/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,481
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,290
−HK$1,836/mo
Today · 4.125%
HK$71,126
baseline
▲ 0.50% · 4.625%
HK$74,876
+HK$3,750/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,252/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,190 · Scale 2, in force from 26 Feb 2026)