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$33,668
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,715
−HK$1,064/mo
Today · 4.125%
HK$35,779
baseline
▲ 0.50% · 4.625%
HK$37,956
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,558/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,455
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,460
−HK$1,019/mo
Today · 4.125%
HK$39,479
baseline
▲ 0.50% · 4.625%
HK$41,560
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,958/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,401
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,658
−HK$1,277/mo
Today · 4.125%
HK$42,935
baseline
▲ 0.50% · 4.625%
HK$45,547
+HK$2,612/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,870/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,946
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,151
−HK$1,223/mo
Today · 4.125%
HK$47,374
baseline
▲ 0.50% · 4.625%
HK$49,871
+HK$2,497/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,748/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,135
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,601
−HK$1,490/mo
Today · 4.125%
HK$50,091
baseline
▲ 0.50% · 4.625%
HK$53,139
+HK$3,048/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,182/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,437
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,843
−HK$1,427/mo
Today · 4.125%
HK$55,270
baseline
▲ 0.50% · 4.625%
HK$58,183
+HK$2,913/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,540/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,602
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,487
−HK$1,915/mo
Today · 4.125%
HK$64,402
baseline
▲ 0.50% · 4.625%
HK$68,321
+HK$3,919/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,804/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,419
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,227
−HK$1,834/mo
Today · 4.125%
HK$71,061
baseline
▲ 0.50% · 4.625%
HK$74,807
+HK$3,746/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,122/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,684 · Scale 2, in force from 26 Feb 2026)