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$33,697
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$1,065/mo
Today · 4.125%
HK$35,810
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,620/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,487
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,020/mo
Today · 4.125%
HK$39,512
baseline
▲ 0.50% · 4.625%
HK$41,595
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,024/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,436
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,694
−HK$1,278/mo
Today · 4.125%
HK$42,972
baseline
▲ 0.50% · 4.625%
HK$45,586
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,944/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,984
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,224/mo
Today · 4.125%
HK$47,415
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,830/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,175
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,643
−HK$1,490/mo
Today · 4.125%
HK$50,133
baseline
▲ 0.50% · 4.625%
HK$53,184
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,266/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,482
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,889
−HK$1,428/mo
Today · 4.125%
HK$55,317
baseline
▲ 0.50% · 4.625%
HK$58,233
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,634/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,654
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,540
−HK$1,917/mo
Today · 4.125%
HK$64,457
baseline
▲ 0.50% · 4.625%
HK$68,379
+HK$3,922/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,914/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,477
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,286
−HK$1,836/mo
Today · 4.125%
HK$71,122
baseline
▲ 0.50% · 4.625%
HK$74,871
+HK$3,749/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,244/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,158 · Scale 2, in force from 26 Feb 2026)