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$33,647
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,694
−HK$1,063/mo
Today · 4.125%
HK$35,757
baseline
▲ 0.50% · 4.625%
HK$37,933
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,514/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,432
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,436
−HK$1,018/mo
Today · 4.125%
HK$39,454
baseline
▲ 0.50% · 4.625%
HK$41,534
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,908/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,376
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,632
−HK$1,276/mo
Today · 4.125%
HK$42,908
baseline
▲ 0.50% · 4.625%
HK$45,519
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,816/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,918
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,123
−HK$1,222/mo
Today · 4.125%
HK$47,345
baseline
▲ 0.50% · 4.625%
HK$49,841
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,690/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,106
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,571
−HK$1,489/mo
Today · 4.125%
HK$50,060
baseline
▲ 0.50% · 4.625%
HK$53,106
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,120/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,405
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,810
−HK$1,426/mo
Today · 4.125%
HK$55,236
baseline
▲ 0.50% · 4.625%
HK$58,148
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,472/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,565
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,448
−HK$1,915/mo
Today · 4.125%
HK$64,363
baseline
▲ 0.50% · 4.625%
HK$68,279
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,726/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,377
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,185
−HK$1,833/mo
Today · 4.125%
HK$71,018
baseline
▲ 0.50% · 4.625%
HK$74,761
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,036/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,343 · Scale 2, in force from 26 Feb 2026)