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$33,616
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$1,062/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,898
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,448/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,398
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,401
−HK$1,017/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,496
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,836/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,339
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,594
−HK$1,275/mo
Today · 4.125%
HK$42,869
baseline
▲ 0.50% · 4.625%
HK$45,478
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,738/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,877
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,081
−HK$1,221/mo
Today · 4.125%
HK$47,302
baseline
▲ 0.50% · 4.625%
HK$49,795
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,604/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,063
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,527
−HK$1,487/mo
Today · 4.125%
HK$50,014
baseline
▲ 0.50% · 4.625%
HK$53,057
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,028/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,357
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,761
−HK$1,424/mo
Today · 4.125%
HK$55,185
baseline
▲ 0.50% · 4.625%
HK$58,094
+HK$2,909/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,370/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,509
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,391
−HK$1,913/mo
Today · 4.125%
HK$64,304
baseline
▲ 0.50% · 4.625%
HK$68,216
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,608/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,316
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,121
−HK$1,832/mo
Today · 4.125%
HK$70,953
baseline
▲ 0.50% · 4.625%
HK$74,693
+HK$3,740/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,906/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,837 · Scale 2, in force from 26 Feb 2026)