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$33,688
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,735
−HK$1,065/mo
Today · 4.125%
HK$35,800
baseline
▲ 0.50% · 4.625%
HK$37,978
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,600/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,477
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,020/mo
Today · 4.125%
HK$39,502
baseline
▲ 0.50% · 4.625%
HK$41,584
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,004/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,425
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,683
−HK$1,277/mo
Today · 4.125%
HK$42,960
baseline
▲ 0.50% · 4.625%
HK$45,574
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,920/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,973
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,179
−HK$1,223/mo
Today · 4.125%
HK$47,402
baseline
▲ 0.50% · 4.625%
HK$49,901
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,804/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,163
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,630
−HK$1,490/mo
Today · 4.125%
HK$50,120
baseline
▲ 0.50% · 4.625%
HK$53,170
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,240/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,468
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,875
−HK$1,428/mo
Today · 4.125%
HK$55,303
baseline
▲ 0.50% · 4.625%
HK$58,218
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,606/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,638
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,524
−HK$1,916/mo
Today · 4.125%
HK$64,440
baseline
▲ 0.50% · 4.625%
HK$68,361
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,880/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,459
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,268
−HK$1,835/mo
Today · 4.125%
HK$71,103
baseline
▲ 0.50% · 4.625%
HK$74,851
+HK$3,748/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,206/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,010 · Scale 2, in force from 26 Feb 2026)