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$33,637
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,683
−HK$1,063/mo
Today · 4.125%
HK$35,746
baseline
▲ 0.50% · 4.625%
HK$37,921
+HK$2,175/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,492/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,421
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,424
−HK$1,018/mo
Today · 4.125%
HK$39,442
baseline
▲ 0.50% · 4.625%
HK$41,522
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,884/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,620
−HK$1,276/mo
Today · 4.125%
HK$42,896
baseline
▲ 0.50% · 4.625%
HK$45,506
+HK$2,610/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,792/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,905
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,109
−HK$1,222/mo
Today · 4.125%
HK$47,331
baseline
▲ 0.50% · 4.625%
HK$49,826
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,662/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,092
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,557
−HK$1,488/mo
Today · 4.125%
HK$50,045
baseline
▲ 0.50% · 4.625%
HK$53,090
+HK$3,045/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,090/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,389
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,794
−HK$1,425/mo
Today · 4.125%
HK$55,219
baseline
▲ 0.50% · 4.625%
HK$58,130
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,438/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,546
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,430
−HK$1,913/mo
Today · 4.125%
HK$64,343
baseline
▲ 0.50% · 4.625%
HK$68,258
+HK$3,915/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,686/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,357
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,164
−HK$1,832/mo
Today · 4.125%
HK$70,996
baseline
▲ 0.50% · 4.625%
HK$74,739
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$141,992/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,177 · Scale 2, in force from 26 Feb 2026)