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$33,639
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,685
−HK$1,063/mo
Today · 4.125%
HK$35,748
baseline
▲ 0.50% · 4.625%
HK$37,923
+HK$2,175/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,496/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,423
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,426
−HK$1,019/mo
Today · 4.125%
HK$39,445
baseline
▲ 0.50% · 4.625%
HK$41,524
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,890/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,366
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,622
−HK$1,276/mo
Today · 4.125%
HK$42,898
baseline
▲ 0.50% · 4.625%
HK$45,508
+HK$2,610/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,796/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,907
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,112
−HK$1,221/mo
Today · 4.125%
HK$47,333
baseline
▲ 0.50% · 4.625%
HK$49,828
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,666/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,094
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,559
−HK$1,488/mo
Today · 4.125%
HK$50,047
baseline
▲ 0.50% · 4.625%
HK$53,093
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,094/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,392
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,797
−HK$1,425/mo
Today · 4.125%
HK$55,222
baseline
▲ 0.50% · 4.625%
HK$58,133
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,444/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,550
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,433
−HK$1,914/mo
Today · 4.125%
HK$64,347
baseline
▲ 0.50% · 4.625%
HK$68,262
+HK$3,915/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,694/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,361
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,167
−HK$1,833/mo
Today · 4.125%
HK$71,000
baseline
▲ 0.50% · 4.625%
HK$74,743
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,000/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,206 · Scale 2, in force from 26 Feb 2026)