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$33,686
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$1,065/mo
Today · 4.125%
HK$35,799
baseline
▲ 0.50% · 4.625%
HK$37,977
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,598/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,476
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,481
−HK$1,019/mo
Today · 4.125%
HK$39,500
baseline
▲ 0.50% · 4.625%
HK$41,582
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,000/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,423
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,681
−HK$1,277/mo
Today · 4.125%
HK$42,958
baseline
▲ 0.50% · 4.625%
HK$45,572
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,916/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,971
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,177
−HK$1,223/mo
Today · 4.125%
HK$47,400
baseline
▲ 0.50% · 4.625%
HK$49,899
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,800/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,161
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,628
−HK$1,490/mo
Today · 4.125%
HK$50,118
baseline
▲ 0.50% · 4.625%
HK$53,168
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,236/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,466
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,873
−HK$1,427/mo
Today · 4.125%
HK$55,300
baseline
▲ 0.50% · 4.625%
HK$58,215
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,600/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,635
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,521
−HK$1,917/mo
Today · 4.125%
HK$64,438
baseline
▲ 0.50% · 4.625%
HK$68,358
+HK$3,920/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,876/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,456
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,265
−HK$1,836/mo
Today · 4.125%
HK$71,101
baseline
▲ 0.50% · 4.625%
HK$74,848
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,202/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,988 · Scale 2, in force from 26 Feb 2026)