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$33,578
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$1,061/mo
Today · 4.125%
HK$35,683
baseline
▲ 0.50% · 4.625%
HK$37,854
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,366/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,355
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,356
−HK$1,017/mo
Today · 4.125%
HK$39,373
baseline
▲ 0.50% · 4.625%
HK$41,448
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,746/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,293
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,546
−HK$1,274/mo
Today · 4.125%
HK$42,820
baseline
▲ 0.50% · 4.625%
HK$45,425
+HK$2,605/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,640/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,826
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,028
−HK$1,219/mo
Today · 4.125%
HK$47,247
baseline
▲ 0.50% · 4.625%
HK$49,738
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,494/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,009
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,471
−HK$1,485/mo
Today · 4.125%
HK$49,956
baseline
▲ 0.50% · 4.625%
HK$52,996
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,912/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,297
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,699
−HK$1,423/mo
Today · 4.125%
HK$55,122
baseline
▲ 0.50% · 4.625%
HK$58,027
+HK$2,905/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,244/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,440
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,320
−HK$1,910/mo
Today · 4.125%
HK$64,230
baseline
▲ 0.50% · 4.625%
HK$68,138
+HK$3,908/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,460/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,238
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,042
−HK$1,829/mo
Today · 4.125%
HK$70,871
baseline
▲ 0.50% · 4.625%
HK$74,607
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,742/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,200 · Scale 2, in force from 26 Feb 2026)