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$33,720
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,768
−HK$1,066/mo
Today · 4.125%
HK$35,834
baseline
▲ 0.50% · 4.625%
HK$38,014
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,668/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,513
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,519
−HK$1,020/mo
Today · 4.125%
HK$39,539
baseline
▲ 0.50% · 4.625%
HK$41,623
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,078/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,463
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,279/mo
Today · 4.125%
HK$43,001
baseline
▲ 0.50% · 4.625%
HK$45,617
+HK$2,616/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$86,002/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,015
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,222
−HK$1,225/mo
Today · 4.125%
HK$47,447
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,501/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$94,894/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,207
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,676
−HK$1,492/mo
Today · 4.125%
HK$50,168
baseline
▲ 0.50% · 4.625%
HK$53,220
+HK$3,052/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,336/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,518
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,926
−HK$1,429/mo
Today · 4.125%
HK$55,355
baseline
▲ 0.50% · 4.625%
HK$58,273
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,710/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,695
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,583
−HK$1,918/mo
Today · 4.125%
HK$64,501
baseline
▲ 0.50% · 4.625%
HK$68,426
+HK$3,925/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,002/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,523
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,334
−HK$1,837/mo
Today · 4.125%
HK$71,171
baseline
▲ 0.50% · 4.625%
HK$74,922
+HK$3,751/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,342/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,535 · Scale 2, in force from 26 Feb 2026)