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$33,651
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,698
−HK$1,063/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,937
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,437
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,441
−HK$1,018/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,539
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,382
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,638
−HK$1,276/mo
Today · 4.125%
HK$42,914
baseline
▲ 0.50% · 4.625%
HK$45,525
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,828/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,924
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,129
−HK$1,222/mo
Today · 4.125%
HK$47,351
baseline
▲ 0.50% · 4.625%
HK$49,847
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,702/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,112
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,577
−HK$1,489/mo
Today · 4.125%
HK$50,066
baseline
▲ 0.50% · 4.625%
HK$53,112
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,132/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,411
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,817
−HK$1,426/mo
Today · 4.125%
HK$55,243
baseline
▲ 0.50% · 4.625%
HK$58,155
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,486/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,572
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,456
−HK$1,915/mo
Today · 4.125%
HK$64,371
baseline
▲ 0.50% · 4.625%
HK$68,287
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,742/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,386
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,193
−HK$1,834/mo
Today · 4.125%
HK$71,027
baseline
▲ 0.50% · 4.625%
HK$74,771
+HK$3,744/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,054/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,413 · Scale 2, in force from 26 Feb 2026)