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$33,699
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,747
−HK$1,065/mo
Today · 4.125%
HK$35,812
baseline
▲ 0.50% · 4.625%
HK$37,991
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,624/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,490
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,495
−HK$1,020/mo
Today · 4.125%
HK$39,515
baseline
▲ 0.50% · 4.625%
HK$41,598
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,030/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,439
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,697
−HK$1,278/mo
Today · 4.125%
HK$42,975
baseline
▲ 0.50% · 4.625%
HK$45,590
+HK$2,615/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,950/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,988
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,194
−HK$1,224/mo
Today · 4.125%
HK$47,418
baseline
▲ 0.50% · 4.625%
HK$49,918
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,836/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,179
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,646
−HK$1,491/mo
Today · 4.125%
HK$50,137
baseline
▲ 0.50% · 4.625%
HK$53,188
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,274/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,486
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,894
−HK$1,428/mo
Today · 4.125%
HK$55,322
baseline
▲ 0.50% · 4.625%
HK$58,238
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,644/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,658
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,545
−HK$1,917/mo
Today · 4.125%
HK$64,462
baseline
▲ 0.50% · 4.625%
HK$68,385
+HK$3,923/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,924/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,482
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,292
−HK$1,836/mo
Today · 4.125%
HK$71,128
baseline
▲ 0.50% · 4.625%
HK$74,877
+HK$3,749/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,256/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,199 · Scale 2, in force from 26 Feb 2026)