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$33,609
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,655
−HK$1,062/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,890
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,434/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,390
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,393
−HK$1,017/mo
Today · 4.125%
HK$39,410
baseline
▲ 0.50% · 4.625%
HK$41,487
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,820/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,331
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,586
−HK$1,274/mo
Today · 4.125%
HK$42,860
baseline
▲ 0.50% · 4.625%
HK$45,468
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,720/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,868
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,071
−HK$1,221/mo
Today · 4.125%
HK$47,292
baseline
▲ 0.50% · 4.625%
HK$49,785
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,584/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,053
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,516
−HK$1,487/mo
Today · 4.125%
HK$50,003
baseline
▲ 0.50% · 4.625%
HK$53,046
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,006/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,346
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,750
−HK$1,424/mo
Today · 4.125%
HK$55,174
baseline
▲ 0.50% · 4.625%
HK$58,082
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,348/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,496
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,378
−HK$1,912/mo
Today · 4.125%
HK$64,290
baseline
▲ 0.50% · 4.625%
HK$68,202
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,580/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,302
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,107
−HK$1,831/mo
Today · 4.125%
HK$70,938
baseline
▲ 0.50% · 4.625%
HK$74,677
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,876/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,721 · Scale 2, in force from 26 Feb 2026)