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$33,614
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$1,063/mo
Today · 4.125%
HK$35,722
baseline
▲ 0.50% · 4.625%
HK$37,895
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,444/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,395
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,398
−HK$1,017/mo
Today · 4.125%
HK$39,415
baseline
▲ 0.50% · 4.625%
HK$41,493
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,830/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,337
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,591
−HK$1,275/mo
Today · 4.125%
HK$42,866
baseline
▲ 0.50% · 4.625%
HK$45,474
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,732/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,874
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,078
−HK$1,220/mo
Today · 4.125%
HK$47,298
baseline
▲ 0.50% · 4.625%
HK$49,792
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,596/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,059
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,523
−HK$1,487/mo
Today · 4.125%
HK$50,010
baseline
▲ 0.50% · 4.625%
HK$53,053
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,020/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,353
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,757
−HK$1,425/mo
Today · 4.125%
HK$55,182
baseline
▲ 0.50% · 4.625%
HK$58,090
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,364/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$552,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,505
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,387
−HK$1,912/mo
Today · 4.125%
HK$64,299
baseline
▲ 0.50% · 4.625%
HK$68,212
+HK$3,913/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,598/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,311
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,116
−HK$1,832/mo
Today · 4.125%
HK$70,948
baseline
▲ 0.50% · 4.625%
HK$74,687
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,896/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,798 · Scale 2, in force from 26 Feb 2026)