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$33,613
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,658
−HK$1,063/mo
Today · 4.125%
HK$35,721
baseline
▲ 0.50% · 4.625%
HK$37,894
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,442/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,394
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,397
−HK$1,017/mo
Today · 4.125%
HK$39,414
baseline
▲ 0.50% · 4.625%
HK$41,492
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,828/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,336
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,590
−HK$1,275/mo
Today · 4.125%
HK$42,865
baseline
▲ 0.50% · 4.625%
HK$45,473
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,730/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,873
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,076
−HK$1,221/mo
Today · 4.125%
HK$47,297
baseline
▲ 0.50% · 4.625%
HK$49,790
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,594/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,058
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,522
−HK$1,487/mo
Today · 4.125%
HK$50,009
baseline
▲ 0.50% · 4.625%
HK$53,052
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,018/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,352
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,756
−HK$1,424/mo
Today · 4.125%
HK$55,180
baseline
▲ 0.50% · 4.625%
HK$58,089
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,360/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,503
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,385
−HK$1,912/mo
Today · 4.125%
HK$64,297
baseline
▲ 0.50% · 4.625%
HK$68,210
+HK$3,913/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,594/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,309
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,114
−HK$1,832/mo
Today · 4.125%
HK$70,946
baseline
▲ 0.50% · 4.625%
HK$74,685
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,892/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,783 · Scale 2, in force from 26 Feb 2026)