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$33,628
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$1,062/mo
Today · 4.125%
HK$35,736
baseline
▲ 0.50% · 4.625%
HK$37,911
+HK$2,175/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,472/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,410
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,414
−HK$1,017/mo
Today · 4.125%
HK$39,431
baseline
▲ 0.50% · 4.625%
HK$41,510
+HK$2,079/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,862/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,353
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,608
−HK$1,276/mo
Today · 4.125%
HK$42,884
baseline
▲ 0.50% · 4.625%
HK$45,493
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,768/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,892
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,096
−HK$1,222/mo
Today · 4.125%
HK$47,318
baseline
▲ 0.50% · 4.625%
HK$49,812
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,636/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,079
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,543
−HK$1,488/mo
Today · 4.125%
HK$50,031
baseline
▲ 0.50% · 4.625%
HK$53,075
+HK$3,044/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,062/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,374
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,779
−HK$1,425/mo
Today · 4.125%
HK$55,204
baseline
▲ 0.50% · 4.625%
HK$58,114
+HK$2,910/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,408/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,530
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,412
−HK$1,913/mo
Today · 4.125%
HK$64,325
baseline
▲ 0.50% · 4.625%
HK$68,239
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,650/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,339
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,145
−HK$1,832/mo
Today · 4.125%
HK$70,977
baseline
▲ 0.50% · 4.625%
HK$74,718
+HK$3,741/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,954/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,023 · Scale 2, in force from 26 Feb 2026)