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$33,578
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,623
−HK$1,061/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,855
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,355
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,357
−HK$1,017/mo
Today · 4.125%
HK$39,374
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,748/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,294
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,547
−HK$1,274/mo
Today · 4.125%
HK$42,821
baseline
▲ 0.50% · 4.625%
HK$45,426
+HK$2,605/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,642/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,826
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,029
−HK$1,219/mo
Today · 4.125%
HK$47,248
baseline
▲ 0.50% · 4.625%
HK$49,739
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,496/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,009
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,472
−HK$1,485/mo
Today · 4.125%
HK$49,957
baseline
▲ 0.50% · 4.625%
HK$52,997
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,914/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,297
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,700
−HK$1,423/mo
Today · 4.125%
HK$55,123
baseline
▲ 0.50% · 4.625%
HK$58,029
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,246/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,441
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,321
−HK$1,910/mo
Today · 4.125%
HK$64,231
baseline
▲ 0.50% · 4.625%
HK$68,139
+HK$3,908/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,462/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,240
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,043
−HK$1,829/mo
Today · 4.125%
HK$70,872
baseline
▲ 0.50% · 4.625%
HK$74,608
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,744/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,210 · Scale 2, in force from 26 Feb 2026)