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$33,684
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,732
−HK$1,064/mo
Today · 4.125%
HK$35,796
baseline
▲ 0.50% · 4.625%
HK$37,974
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,592/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,473
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,478
−HK$1,020/mo
Today · 4.125%
HK$39,498
baseline
▲ 0.50% · 4.625%
HK$41,580
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$78,996/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,421
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,678
−HK$1,277/mo
Today · 4.125%
HK$42,955
baseline
▲ 0.50% · 4.625%
HK$45,569
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,910/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,968
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,174
−HK$1,223/mo
Today · 4.125%
HK$47,397
baseline
▲ 0.50% · 4.625%
HK$49,895
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,794/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,157
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,624
−HK$1,491/mo
Today · 4.125%
HK$50,115
baseline
▲ 0.50% · 4.625%
HK$53,164
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,230/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,462
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,869
−HK$1,428/mo
Today · 4.125%
HK$55,297
baseline
▲ 0.50% · 4.625%
HK$58,211
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,594/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,631
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,517
−HK$1,916/mo
Today · 4.125%
HK$64,433
baseline
▲ 0.50% · 4.625%
HK$68,354
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,866/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,451
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,260
−HK$1,836/mo
Today · 4.125%
HK$71,096
baseline
▲ 0.50% · 4.625%
HK$74,843
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,192/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,950 · Scale 2, in force from 26 Feb 2026)