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$33,659
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,706
−HK$1,064/mo
Today · 4.125%
HK$35,770
baseline
▲ 0.50% · 4.625%
HK$37,946
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,540/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,450
−HK$1,018/mo
Today · 4.125%
HK$39,468
baseline
▲ 0.50% · 4.625%
HK$41,549
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,936/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,391
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,647
−HK$1,277/mo
Today · 4.125%
HK$42,924
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$85,848/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,223/mo
Today · 4.125%
HK$47,362
baseline
▲ 0.50% · 4.625%
HK$49,859
+HK$2,497/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$94,724/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,123
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,588
−HK$1,490/mo
Today · 4.125%
HK$50,078
baseline
▲ 0.50% · 4.625%
HK$53,125
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,156/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,423
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,829
−HK$1,427/mo
Today · 4.125%
HK$55,256
baseline
▲ 0.50% · 4.625%
HK$58,168
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,512/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,586
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,471
−HK$1,914/mo
Today · 4.125%
HK$64,385
baseline
▲ 0.50% · 4.625%
HK$68,303
+HK$3,918/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,770/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,401
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,209
−HK$1,834/mo
Today · 4.125%
HK$71,043
baseline
▲ 0.50% · 4.625%
HK$74,788
+HK$3,745/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,086/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,540 · Scale 2, in force from 26 Feb 2026)