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$33,630
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,677
−HK$1,062/mo
Today · 4.125%
HK$35,739
baseline
▲ 0.50% · 4.625%
HK$37,914
+HK$2,175/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,478/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,414
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,417
−HK$1,018/mo
Today · 4.125%
HK$39,435
baseline
▲ 0.50% · 4.625%
HK$41,514
+HK$2,079/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,870/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,357
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,612
−HK$1,275/mo
Today · 4.125%
HK$42,887
baseline
▲ 0.50% · 4.625%
HK$45,497
+HK$2,610/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,774/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,896
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,100
−HK$1,222/mo
Today · 4.125%
HK$47,322
baseline
▲ 0.50% · 4.625%
HK$49,816
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,644/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,083
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,547
−HK$1,488/mo
Today · 4.125%
HK$50,035
baseline
▲ 0.50% · 4.625%
HK$53,080
+HK$3,045/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,070/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,379
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,784
−HK$1,425/mo
Today · 4.125%
HK$55,209
baseline
▲ 0.50% · 4.625%
HK$58,119
+HK$2,910/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,418/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,535
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,418
−HK$1,913/mo
Today · 4.125%
HK$64,331
baseline
▲ 0.50% · 4.625%
HK$68,245
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,662/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,344
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,151
−HK$1,832/mo
Today · 4.125%
HK$70,983
baseline
▲ 0.50% · 4.625%
HK$74,724
+HK$3,741/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,966/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,071 · Scale 2, in force from 26 Feb 2026)