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$33,619
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,665
−HK$1,063/mo
Today · 4.125%
HK$35,728
baseline
▲ 0.50% · 4.625%
HK$37,901
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,456/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,401
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,404
−HK$1,018/mo
Today · 4.125%
HK$39,422
baseline
▲ 0.50% · 4.625%
HK$41,500
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,844/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,343
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,598
−HK$1,275/mo
Today · 4.125%
HK$42,873
baseline
▲ 0.50% · 4.625%
HK$45,482
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,746/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,881
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,085
−HK$1,221/mo
Today · 4.125%
HK$47,306
baseline
▲ 0.50% · 4.625%
HK$49,800
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,612/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,067
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,531
−HK$1,488/mo
Today · 4.125%
HK$50,019
baseline
▲ 0.50% · 4.625%
HK$53,062
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,038/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,362
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,766
−HK$1,425/mo
Today · 4.125%
HK$55,191
baseline
▲ 0.50% · 4.625%
HK$58,100
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,382/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,515
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,397
−HK$1,913/mo
Today · 4.125%
HK$64,310
baseline
▲ 0.50% · 4.625%
HK$68,223
+HK$3,913/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,620/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,322
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,128
−HK$1,831/mo
Today · 4.125%
HK$70,959
baseline
▲ 0.50% · 4.625%
HK$74,700
+HK$3,741/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,918/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,887 · Scale 2, in force from 26 Feb 2026)