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$33,716
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$1,066/mo
Today · 4.125%
HK$35,830
baseline
▲ 0.50% · 4.625%
HK$38,010
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,660/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,508
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,021/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,459
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,717
−HK$1,279/mo
Today · 4.125%
HK$42,996
baseline
▲ 0.50% · 4.625%
HK$45,612
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,992/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,010
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,217
−HK$1,225/mo
Today · 4.125%
HK$47,442
baseline
▲ 0.50% · 4.625%
HK$49,943
+HK$2,501/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,884/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,202
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,670
−HK$1,492/mo
Today · 4.125%
HK$50,162
baseline
▲ 0.50% · 4.625%
HK$53,214
+HK$3,052/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,324/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,512
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,920
−HK$1,429/mo
Today · 4.125%
HK$55,349
baseline
▲ 0.50% · 4.625%
HK$58,266
+HK$2,917/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,698/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,688
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,576
−HK$1,918/mo
Today · 4.125%
HK$64,494
baseline
▲ 0.50% · 4.625%
HK$68,418
+HK$3,924/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$128,988/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,515
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,326
−HK$1,837/mo
Today · 4.125%
HK$71,163
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$3,751/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,326/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,472 · Scale 2, in force from 26 Feb 2026)