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$33,716
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,765
−HK$1,065/mo
Today · 4.125%
HK$35,830
baseline
▲ 0.50% · 4.625%
HK$38,011
+HK$2,181/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,660/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,509
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,515
−HK$1,020/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,459
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,718
−HK$1,279/mo
Today · 4.125%
HK$42,997
baseline
▲ 0.50% · 4.625%
HK$45,613
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,994/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,011
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,218
−HK$1,224/mo
Today · 4.125%
HK$47,442
baseline
▲ 0.50% · 4.625%
HK$49,943
+HK$2,501/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,884/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,203
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,671
−HK$1,492/mo
Today · 4.125%
HK$50,163
baseline
▲ 0.50% · 4.625%
HK$53,215
+HK$3,052/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,326/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,512
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,921
−HK$1,428/mo
Today · 4.125%
HK$55,349
baseline
▲ 0.50% · 4.625%
HK$58,267
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,698/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,689
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,577
−HK$1,918/mo
Today · 4.125%
HK$64,495
baseline
▲ 0.50% · 4.625%
HK$68,419
+HK$3,924/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$128,990/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,516
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,327
−HK$1,837/mo
Today · 4.125%
HK$71,164
baseline
▲ 0.50% · 4.625%
HK$74,915
+HK$3,751/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,328/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,480 · Scale 2, in force from 26 Feb 2026)