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$33,658
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$1,064/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,946
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,449
−HK$1,019/mo
Today · 4.125%
HK$39,468
baseline
▲ 0.50% · 4.625%
HK$41,548
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,936/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,390
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,647
−HK$1,276/mo
Today · 4.125%
HK$42,923
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,612/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$85,846/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,222/mo
Today · 4.125%
HK$47,361
baseline
▲ 0.50% · 4.625%
HK$49,858
+HK$2,497/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$94,722/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,122
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,588
−HK$1,489/mo
Today · 4.125%
HK$50,077
baseline
▲ 0.50% · 4.625%
HK$53,124
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,154/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,423
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,829
−HK$1,426/mo
Today · 4.125%
HK$55,255
baseline
▲ 0.50% · 4.625%
HK$58,167
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,510/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,585
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,470
−HK$1,915/mo
Today · 4.125%
HK$64,385
baseline
▲ 0.50% · 4.625%
HK$68,302
+HK$3,917/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,770/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,401
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,208
−HK$1,834/mo
Today · 4.125%
HK$71,042
baseline
▲ 0.50% · 4.625%
HK$74,787
+HK$3,745/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,084/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,532 · Scale 2, in force from 26 Feb 2026)