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$33,671
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,718
−HK$1,064/mo
Today · 4.125%
HK$35,782
baseline
▲ 0.50% · 4.625%
HK$37,960
+HK$2,178/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,564/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,458
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,463
−HK$1,019/mo
Today · 4.125%
HK$39,482
baseline
▲ 0.50% · 4.625%
HK$41,563
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,964/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,405
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,662
−HK$1,277/mo
Today · 4.125%
HK$42,939
baseline
▲ 0.50% · 4.625%
HK$45,551
+HK$2,612/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,878/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,950
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,156
−HK$1,223/mo
Today · 4.125%
HK$47,379
baseline
▲ 0.50% · 4.625%
HK$49,876
+HK$2,497/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,758/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,139
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,605
−HK$1,490/mo
Today · 4.125%
HK$50,095
baseline
▲ 0.50% · 4.625%
HK$53,143
+HK$3,048/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,190/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,442
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,848
−HK$1,427/mo
Today · 4.125%
HK$55,275
baseline
▲ 0.50% · 4.625%
HK$58,189
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,550/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,608
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,493
−HK$1,915/mo
Today · 4.125%
HK$64,408
baseline
▲ 0.50% · 4.625%
HK$68,327
+HK$3,919/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,816/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,425
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,234
−HK$1,834/mo
Today · 4.125%
HK$71,068
baseline
▲ 0.50% · 4.625%
HK$74,814
+HK$3,746/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,136/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,735 · Scale 2, in force from 26 Feb 2026)