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$33,717
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,766
−HK$1,066/mo
Today · 4.125%
HK$35,832
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,664/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,510
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,516
−HK$1,021/mo
Today · 4.125%
HK$39,537
baseline
▲ 0.50% · 4.625%
HK$41,621
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,074/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,461
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,719
−HK$1,279/mo
Today · 4.125%
HK$42,998
baseline
▲ 0.50% · 4.625%
HK$45,614
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,996/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,012
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,219
−HK$1,225/mo
Today · 4.125%
HK$47,444
baseline
▲ 0.50% · 4.625%
HK$49,945
+HK$2,501/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,888/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,204
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,492/mo
Today · 4.125%
HK$50,164
baseline
▲ 0.50% · 4.625%
HK$53,216
+HK$3,052/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,328/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,514
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,922
−HK$1,429/mo
Today · 4.125%
HK$55,351
baseline
▲ 0.50% · 4.625%
HK$58,269
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,702/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,691
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,579
−HK$1,918/mo
Today · 4.125%
HK$64,497
baseline
▲ 0.50% · 4.625%
HK$68,421
+HK$3,924/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$128,994/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,518
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,329
−HK$1,837/mo
Today · 4.125%
HK$71,166
baseline
▲ 0.50% · 4.625%
HK$74,917
+HK$3,751/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,332/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,496 · Scale 2, in force from 26 Feb 2026)