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$33,641
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,687
−HK$1,063/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,926
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,425
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,429
−HK$1,018/mo
Today · 4.125%
HK$39,447
baseline
▲ 0.50% · 4.625%
HK$41,526
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,894/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,369
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,625
−HK$1,275/mo
Today · 4.125%
HK$42,900
baseline
▲ 0.50% · 4.625%
HK$45,511
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,800/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,910
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,114
−HK$1,222/mo
Today · 4.125%
HK$47,336
baseline
▲ 0.50% · 4.625%
HK$49,831
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,672/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,097
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,562
−HK$1,488/mo
Today · 4.125%
HK$50,050
baseline
▲ 0.50% · 4.625%
HK$53,096
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,100/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,395
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,800
−HK$1,426/mo
Today · 4.125%
HK$55,226
baseline
▲ 0.50% · 4.625%
HK$58,137
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,452/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,553
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,437
−HK$1,913/mo
Today · 4.125%
HK$64,350
baseline
▲ 0.50% · 4.625%
HK$68,266
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,700/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,365
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,172
−HK$1,832/mo
Today · 4.125%
HK$71,004
baseline
▲ 0.50% · 4.625%
HK$74,747
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,008/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,239 · Scale 2, in force from 26 Feb 2026)