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$33,638
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,684
−HK$1,063/mo
Today · 4.125%
HK$35,747
baseline
▲ 0.50% · 4.625%
HK$37,922
+HK$2,175/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,494/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,422
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,425
−HK$1,018/mo
Today · 4.125%
HK$39,443
baseline
▲ 0.50% · 4.625%
HK$41,522
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,886/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,365
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,621
−HK$1,276/mo
Today · 4.125%
HK$42,897
baseline
▲ 0.50% · 4.625%
HK$45,507
+HK$2,610/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,794/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,906
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,110
−HK$1,222/mo
Today · 4.125%
HK$47,332
baseline
▲ 0.50% · 4.625%
HK$49,827
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,664/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,093
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,558
−HK$1,488/mo
Today · 4.125%
HK$50,046
baseline
▲ 0.50% · 4.625%
HK$53,091
+HK$3,045/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,092/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,390
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,795
−HK$1,426/mo
Today · 4.125%
HK$55,221
baseline
▲ 0.50% · 4.625%
HK$58,131
+HK$2,910/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,442/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,548
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,431
−HK$1,914/mo
Today · 4.125%
HK$64,345
baseline
▲ 0.50% · 4.625%
HK$68,260
+HK$3,915/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,690/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,359
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,165
−HK$1,833/mo
Today · 4.125%
HK$70,998
baseline
▲ 0.50% · 4.625%
HK$74,740
+HK$3,742/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$141,996/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,190 · Scale 2, in force from 26 Feb 2026)