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$33,631
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,677
−HK$1,063/mo
Today · 4.125%
HK$35,740
baseline
▲ 0.50% · 4.625%
HK$37,914
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,480/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,414
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,417
−HK$1,018/mo
Today · 4.125%
HK$39,435
baseline
▲ 0.50% · 4.625%
HK$41,514
+HK$2,079/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,870/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,357
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,612
−HK$1,276/mo
Today · 4.125%
HK$42,888
baseline
▲ 0.50% · 4.625%
HK$45,497
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,776/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,897
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,101
−HK$1,221/mo
Today · 4.125%
HK$47,322
baseline
▲ 0.50% · 4.625%
HK$49,817
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,644/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,083
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,548
−HK$1,488/mo
Today · 4.125%
HK$50,036
baseline
▲ 0.50% · 4.625%
HK$53,080
+HK$3,044/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,072/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,379
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,784
−HK$1,425/mo
Today · 4.125%
HK$55,209
baseline
▲ 0.50% · 4.625%
HK$58,120
+HK$2,911/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,418/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,535
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,418
−HK$1,914/mo
Today · 4.125%
HK$64,332
baseline
▲ 0.50% · 4.625%
HK$68,246
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,664/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,345
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,151
−HK$1,832/mo
Today · 4.125%
HK$70,983
baseline
▲ 0.50% · 4.625%
HK$74,725
+HK$3,742/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,966/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,076 · Scale 2, in force from 26 Feb 2026)