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$33,639
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,686
−HK$1,063/mo
Today · 4.125%
HK$35,749
baseline
▲ 0.50% · 4.625%
HK$37,924
+HK$2,175/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,498/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,423
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,427
−HK$1,018/mo
Today · 4.125%
HK$39,445
baseline
▲ 0.50% · 4.625%
HK$41,524
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,890/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,367
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,623
−HK$1,275/mo
Today · 4.125%
HK$42,898
baseline
▲ 0.50% · 4.625%
HK$45,509
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,796/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,908
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,112
−HK$1,222/mo
Today · 4.125%
HK$47,334
baseline
▲ 0.50% · 4.625%
HK$49,829
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,668/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,095
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,560
−HK$1,488/mo
Today · 4.125%
HK$50,048
baseline
▲ 0.50% · 4.625%
HK$53,093
+HK$3,045/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,096/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,393
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,798
−HK$1,425/mo
Today · 4.125%
HK$55,223
baseline
▲ 0.50% · 4.625%
HK$58,134
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,446/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,551
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,434
−HK$1,914/mo
Today · 4.125%
HK$64,348
baseline
▲ 0.50% · 4.625%
HK$68,263
+HK$3,915/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,696/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,362
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,168
−HK$1,833/mo
Today · 4.125%
HK$71,001
baseline
▲ 0.50% · 4.625%
HK$74,744
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,002/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,214 · Scale 2, in force from 26 Feb 2026)