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$33,589
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,634
−HK$1,061/mo
Today · 4.125%
HK$35,695
baseline
▲ 0.50% · 4.625%
HK$37,867
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,390/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,368
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,370
−HK$1,016/mo
Today · 4.125%
HK$39,386
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,076/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,772/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,307
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,561
−HK$1,273/mo
Today · 4.125%
HK$42,834
baseline
▲ 0.50% · 4.625%
HK$45,441
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,668/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,841
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,044
−HK$1,220/mo
Today · 4.125%
HK$47,264
baseline
▲ 0.50% · 4.625%
HK$49,755
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,528/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,025
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,487
−HK$1,487/mo
Today · 4.125%
HK$49,974
baseline
▲ 0.50% · 4.625%
HK$53,014
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,948/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,315
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,718
−HK$1,423/mo
Today · 4.125%
HK$55,141
baseline
▲ 0.50% · 4.625%
HK$58,047
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,282/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,460
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,341
−HK$1,911/mo
Today · 4.125%
HK$64,252
baseline
▲ 0.50% · 4.625%
HK$68,161
+HK$3,909/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,504/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,262
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,065
−HK$1,830/mo
Today · 4.125%
HK$70,895
baseline
▲ 0.50% · 4.625%
HK$74,632
+HK$3,737/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,790/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,390 · Scale 2, in force from 26 Feb 2026)