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$33,600
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,645
−HK$1,062/mo
Today · 4.125%
HK$35,707
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,414/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,379
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,382
−HK$1,017/mo
Today · 4.125%
HK$39,399
baseline
▲ 0.50% · 4.625%
HK$41,476
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,798/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,320
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,574
−HK$1,274/mo
Today · 4.125%
HK$42,848
baseline
▲ 0.50% · 4.625%
HK$45,455
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,696/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,855
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,058
−HK$1,221/mo
Today · 4.125%
HK$47,279
baseline
▲ 0.50% · 4.625%
HK$49,771
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,558/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,040
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,503
−HK$1,487/mo
Today · 4.125%
HK$49,990
baseline
▲ 0.50% · 4.625%
HK$53,031
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,980/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,331
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,735
−HK$1,424/mo
Today · 4.125%
HK$55,159
baseline
▲ 0.50% · 4.625%
HK$58,066
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,318/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,480
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,361
−HK$1,911/mo
Today · 4.125%
HK$64,272
baseline
▲ 0.50% · 4.625%
HK$68,183
+HK$3,911/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,544/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,283
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,088
−HK$1,830/mo
Today · 4.125%
HK$70,918
baseline
▲ 0.50% · 4.625%
HK$74,656
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,836/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,567 · Scale 2, in force from 26 Feb 2026)