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$33,648
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,695
−HK$1,063/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,934
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,433
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,437
−HK$1,018/mo
Today · 4.125%
HK$39,455
baseline
▲ 0.50% · 4.625%
HK$41,535
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,910/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,378
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,634
−HK$1,276/mo
Today · 4.125%
HK$42,910
baseline
▲ 0.50% · 4.625%
HK$45,521
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,820/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,920
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,124
−HK$1,222/mo
Today · 4.125%
HK$47,346
baseline
▲ 0.50% · 4.625%
HK$49,842
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,692/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,107
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,572
−HK$1,489/mo
Today · 4.125%
HK$50,061
baseline
▲ 0.50% · 4.625%
HK$53,107
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,122/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,406
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,812
−HK$1,426/mo
Today · 4.125%
HK$55,238
baseline
▲ 0.50% · 4.625%
HK$58,149
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,476/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,566
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,450
−HK$1,914/mo
Today · 4.125%
HK$64,364
baseline
▲ 0.50% · 4.625%
HK$68,281
+HK$3,917/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,728/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,379
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,186
−HK$1,834/mo
Today · 4.125%
HK$71,020
baseline
▲ 0.50% · 4.625%
HK$74,763
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,040/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,358 · Scale 2, in force from 26 Feb 2026)