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$33,691
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,739
−HK$1,065/mo
Today · 4.125%
HK$35,804
baseline
▲ 0.50% · 4.625%
HK$37,982
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,608/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,486
−HK$1,020/mo
Today · 4.125%
HK$39,506
baseline
▲ 0.50% · 4.625%
HK$41,588
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,012/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,429
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,687
−HK$1,277/mo
Today · 4.125%
HK$42,964
baseline
▲ 0.50% · 4.625%
HK$45,579
+HK$2,615/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,928/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,977
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,183
−HK$1,224/mo
Today · 4.125%
HK$47,407
baseline
▲ 0.50% · 4.625%
HK$49,906
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,814/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,167
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,635
−HK$1,490/mo
Today · 4.125%
HK$50,125
baseline
▲ 0.50% · 4.625%
HK$53,175
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,250/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,473
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,880
−HK$1,428/mo
Today · 4.125%
HK$55,308
baseline
▲ 0.50% · 4.625%
HK$58,224
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,616/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,644
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,530
−HK$1,917/mo
Today · 4.125%
HK$64,447
baseline
▲ 0.50% · 4.625%
HK$68,368
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,894/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,466
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,275
−HK$1,835/mo
Today · 4.125%
HK$71,110
baseline
▲ 0.50% · 4.625%
HK$74,859
+HK$3,749/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,220/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,066 · Scale 2, in force from 26 Feb 2026)