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$33,599
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$1,062/mo
Today · 4.125%
HK$35,706
baseline
▲ 0.50% · 4.625%
HK$37,879
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,412/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,379
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,381
−HK$1,017/mo
Today · 4.125%
HK$39,398
baseline
▲ 0.50% · 4.625%
HK$41,475
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,796/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,319
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,573
−HK$1,274/mo
Today · 4.125%
HK$42,847
baseline
▲ 0.50% · 4.625%
HK$45,454
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,694/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,854
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,057
−HK$1,221/mo
Today · 4.125%
HK$47,278
baseline
▲ 0.50% · 4.625%
HK$49,770
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,556/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,039
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,502
−HK$1,486/mo
Today · 4.125%
HK$49,988
baseline
▲ 0.50% · 4.625%
HK$53,030
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,976/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,330
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,734
−HK$1,423/mo
Today · 4.125%
HK$55,157
baseline
▲ 0.50% · 4.625%
HK$58,065
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,314/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,478
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,360
−HK$1,911/mo
Today · 4.125%
HK$64,271
baseline
▲ 0.50% · 4.625%
HK$68,182
+HK$3,911/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,542/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,282
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,086
−HK$1,831/mo
Today · 4.125%
HK$70,917
baseline
▲ 0.50% · 4.625%
HK$74,655
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,834/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,555 · Scale 2, in force from 26 Feb 2026)