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$33,675
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,723
−HK$1,064/mo
Today · 4.125%
HK$35,787
baseline
▲ 0.50% · 4.625%
HK$37,965
+HK$2,178/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,574/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,464
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,020/mo
Today · 4.125%
HK$39,488
baseline
▲ 0.50% · 4.625%
HK$41,569
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,976/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,411
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,668
−HK$1,277/mo
Today · 4.125%
HK$42,945
baseline
▲ 0.50% · 4.625%
HK$45,558
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,890/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,956
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,162
−HK$1,223/mo
Today · 4.125%
HK$47,385
baseline
▲ 0.50% · 4.625%
HK$49,883
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,770/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,146
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,612
−HK$1,490/mo
Today · 4.125%
HK$50,102
baseline
▲ 0.50% · 4.625%
HK$53,151
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,204/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,449
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,856
−HK$1,427/mo
Today · 4.125%
HK$55,283
baseline
▲ 0.50% · 4.625%
HK$58,197
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,566/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,616
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,501
−HK$1,916/mo
Today · 4.125%
HK$64,417
baseline
▲ 0.50% · 4.625%
HK$68,337
+HK$3,920/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,834/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,435
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,243
−HK$1,835/mo
Today · 4.125%
HK$71,078
baseline
▲ 0.50% · 4.625%
HK$74,824
+HK$3,746/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,156/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,811 · Scale 2, in force from 26 Feb 2026)