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$33,621
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,666
−HK$1,063/mo
Today · 4.125%
HK$35,729
baseline
▲ 0.50% · 4.625%
HK$37,903
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,458/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$552,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,403
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,406
−HK$1,017/mo
Today · 4.125%
HK$39,423
baseline
▲ 0.50% · 4.625%
HK$41,502
+HK$2,079/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,846/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$552,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,345
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,600
−HK$1,275/mo
Today · 4.125%
HK$42,875
baseline
▲ 0.50% · 4.625%
HK$45,484
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,750/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,883
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,087
−HK$1,221/mo
Today · 4.125%
HK$47,308
baseline
▲ 0.50% · 4.625%
HK$49,802
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,616/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,069
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,533
−HK$1,488/mo
Today · 4.125%
HK$50,021
baseline
▲ 0.50% · 4.625%
HK$53,064
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,042/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,364
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,768
−HK$1,425/mo
Today · 4.125%
HK$55,193
baseline
▲ 0.50% · 4.625%
HK$58,102
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,386/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,517
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,400
−HK$1,912/mo
Today · 4.125%
HK$64,312
baseline
▲ 0.50% · 4.625%
HK$68,225
+HK$3,913/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,624/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,325
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,130
−HK$1,832/mo
Today · 4.125%
HK$70,962
baseline
▲ 0.50% · 4.625%
HK$74,703
+HK$3,741/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,924/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,910 · Scale 2, in force from 26 Feb 2026)