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$33,695
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,743
−HK$1,065/mo
Today · 4.125%
HK$35,808
baseline
▲ 0.50% · 4.625%
HK$37,987
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,616/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,486
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,491
−HK$1,020/mo
Today · 4.125%
HK$39,511
baseline
▲ 0.50% · 4.625%
HK$41,594
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,022/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,434
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,692
−HK$1,278/mo
Today · 4.125%
HK$42,970
baseline
▲ 0.50% · 4.625%
HK$45,584
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,940/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,983
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,189
−HK$1,224/mo
Today · 4.125%
HK$47,413
baseline
▲ 0.50% · 4.625%
HK$49,912
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,826/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,173
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,641
−HK$1,491/mo
Today · 4.125%
HK$50,132
baseline
▲ 0.50% · 4.625%
HK$53,182
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,264/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,480
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,887
−HK$1,428/mo
Today · 4.125%
HK$55,315
baseline
▲ 0.50% · 4.625%
HK$58,231
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,630/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,651
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,538
−HK$1,917/mo
Today · 4.125%
HK$64,455
baseline
▲ 0.50% · 4.625%
HK$68,377
+HK$3,922/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,910/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,474
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,284
−HK$1,836/mo
Today · 4.125%
HK$71,120
baseline
▲ 0.50% · 4.625%
HK$74,868
+HK$3,748/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,240/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,136 · Scale 2, in force from 26 Feb 2026)