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$33,672
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,720
−HK$1,064/mo
Today · 4.125%
HK$35,784
baseline
▲ 0.50% · 4.625%
HK$37,961
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,568/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,460
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,465
−HK$1,019/mo
Today · 4.125%
HK$39,484
baseline
▲ 0.50% · 4.625%
HK$41,565
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,968/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,407
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,664
−HK$1,277/mo
Today · 4.125%
HK$42,941
baseline
▲ 0.50% · 4.625%
HK$45,554
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,882/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,952
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,158
−HK$1,223/mo
Today · 4.125%
HK$47,381
baseline
▲ 0.50% · 4.625%
HK$49,878
+HK$2,497/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,762/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,141
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,608
−HK$1,490/mo
Today · 4.125%
HK$50,098
baseline
▲ 0.50% · 4.625%
HK$53,146
+HK$3,048/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,196/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,444
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,851
−HK$1,427/mo
Today · 4.125%
HK$55,278
baseline
▲ 0.50% · 4.625%
HK$58,192
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,556/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,610
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,496
−HK$1,915/mo
Today · 4.125%
HK$64,411
baseline
▲ 0.50% · 4.625%
HK$68,330
+HK$3,919/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,822/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,428
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,237
−HK$1,834/mo
Today · 4.125%
HK$71,071
baseline
▲ 0.50% · 4.625%
HK$74,818
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,142/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,761 · Scale 2, in force from 26 Feb 2026)