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$33,596
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,641
−HK$1,062/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,875
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,375
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,016/mo
Today · 4.125%
HK$39,394
baseline
▲ 0.50% · 4.625%
HK$41,471
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,788/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,315
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,569
−HK$1,274/mo
Today · 4.125%
HK$42,843
baseline
▲ 0.50% · 4.625%
HK$45,450
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,686/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,850
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,053
−HK$1,220/mo
Today · 4.125%
HK$47,273
baseline
▲ 0.50% · 4.625%
HK$49,765
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,546/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,034
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,497
−HK$1,487/mo
Today · 4.125%
HK$49,984
baseline
▲ 0.50% · 4.625%
HK$53,025
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,968/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,325
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,729
−HK$1,423/mo
Today · 4.125%
HK$55,152
baseline
▲ 0.50% · 4.625%
HK$58,059
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,304/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,473
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,354
−HK$1,911/mo
Today · 4.125%
HK$64,265
baseline
▲ 0.50% · 4.625%
HK$68,175
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,530/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,275
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,080
−HK$1,830/mo
Today · 4.125%
HK$70,910
baseline
▲ 0.50% · 4.625%
HK$74,648
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,820/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,504 · Scale 2, in force from 26 Feb 2026)