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$33,678
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$1,065/mo
Today · 4.125%
HK$35,790
baseline
▲ 0.50% · 4.625%
HK$37,968
+HK$2,178/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,580/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,466
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,471
−HK$1,020/mo
Today · 4.125%
HK$39,491
baseline
▲ 0.50% · 4.625%
HK$41,572
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,982/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,413
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,671
−HK$1,277/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,561
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,960
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,165
−HK$1,224/mo
Today · 4.125%
HK$47,389
baseline
▲ 0.50% · 4.625%
HK$49,887
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,778/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,149
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,616
−HK$1,490/mo
Today · 4.125%
HK$50,106
baseline
▲ 0.50% · 4.625%
HK$53,155
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,212/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,453
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,860
−HK$1,427/mo
Today · 4.125%
HK$55,287
baseline
▲ 0.50% · 4.625%
HK$58,201
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,574/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,620
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,506
−HK$1,916/mo
Today · 4.125%
HK$64,422
baseline
▲ 0.50% · 4.625%
HK$68,342
+HK$3,920/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,844/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,439
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,248
−HK$1,835/mo
Today · 4.125%
HK$71,083
baseline
▲ 0.50% · 4.625%
HK$74,830
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,166/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,851 · Scale 2, in force from 26 Feb 2026)