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$33,723
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,772
−HK$1,066/mo
Today · 4.125%
HK$35,838
baseline
▲ 0.50% · 4.625%
HK$38,018
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,676/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,517
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,523
−HK$1,021/mo
Today · 4.125%
HK$39,544
baseline
▲ 0.50% · 4.625%
HK$41,628
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,088/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,468
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,726
−HK$1,279/mo
Today · 4.125%
HK$43,005
baseline
▲ 0.50% · 4.625%
HK$45,622
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$86,010/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,020
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,227
−HK$1,225/mo
Today · 4.125%
HK$47,452
baseline
▲ 0.50% · 4.625%
HK$49,953
+HK$2,501/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$94,904/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,212
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,681
−HK$1,492/mo
Today · 4.125%
HK$50,173
baseline
▲ 0.50% · 4.625%
HK$53,226
+HK$3,053/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,346/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,523
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,932
−HK$1,429/mo
Today · 4.125%
HK$55,361
baseline
▲ 0.50% · 4.625%
HK$58,279
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,722/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,702
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,590
−HK$1,918/mo
Today · 4.125%
HK$64,508
baseline
▲ 0.50% · 4.625%
HK$68,433
+HK$3,925/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,016/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,530
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,341
−HK$1,837/mo
Today · 4.125%
HK$71,178
baseline
▲ 0.50% · 4.625%
HK$74,930
+HK$3,752/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,356/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,594 · Scale 2, in force from 26 Feb 2026)