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$33,687
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,735
−HK$1,064/mo
Today · 4.125%
HK$35,799
baseline
▲ 0.50% · 4.625%
HK$37,978
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,598/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,476
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,481
−HK$1,020/mo
Today · 4.125%
HK$39,501
baseline
▲ 0.50% · 4.625%
HK$41,583
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,002/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,424
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,682
−HK$1,277/mo
Today · 4.125%
HK$42,959
baseline
▲ 0.50% · 4.625%
HK$45,573
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,918/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,972
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,178
−HK$1,223/mo
Today · 4.125%
HK$47,401
baseline
▲ 0.50% · 4.625%
HK$49,900
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,802/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,162
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,629
−HK$1,490/mo
Today · 4.125%
HK$50,119
baseline
▲ 0.50% · 4.625%
HK$53,169
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,238/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,467
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,874
−HK$1,428/mo
Today · 4.125%
HK$55,302
baseline
▲ 0.50% · 4.625%
HK$58,217
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,604/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,636
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,523
−HK$1,916/mo
Today · 4.125%
HK$64,439
baseline
▲ 0.50% · 4.625%
HK$68,360
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,878/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,457
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,267
−HK$1,835/mo
Today · 4.125%
HK$71,102
baseline
▲ 0.50% · 4.625%
HK$74,850
+HK$3,748/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,204/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,000 · Scale 2, in force from 26 Feb 2026)