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$34,661
−HK$1,063/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,897
+HK$2,173/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$552,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,400
−HK$1,018/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,495
+HK$2,077/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$552,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,339
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,594
−HK$1,274/mo
Today · 4.125%
HK$42,868
baseline
▲ 0.50% · 4.625%
HK$45,477
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,736/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,876
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,080
−HK$1,221/mo
Today · 4.125%
HK$47,301
baseline
▲ 0.50% · 4.625%
HK$49,794
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,602/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,062
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,526
−HK$1,487/mo
Today · 4.125%
HK$50,013
baseline
▲ 0.50% · 4.625%
HK$53,056
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,026/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,356
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,760
−HK$1,425/mo
Today · 4.125%
HK$55,185
baseline
▲ 0.50% · 4.625%
HK$58,093
+HK$2,908/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$552,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,508
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,390
−HK$1,913/mo
Today · 4.125%
HK$64,303
baseline
▲ 0.50% · 4.625%
HK$68,215
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,606/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,315
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,120
−HK$1,832/mo
Today · 4.125%
HK$70,952
baseline
▲ 0.50% · 4.625%
HK$74,691
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,904/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,827 · Scale 2, in force from 26 Feb 2026)