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$33,709
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$1,066/mo
Today · 4.125%
HK$35,823
baseline
▲ 0.50% · 4.625%
HK$38,002
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,646/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,501
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,506
−HK$1,021/mo
Today · 4.125%
HK$39,527
baseline
▲ 0.50% · 4.625%
HK$41,610
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,054/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,451
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,709
−HK$1,278/mo
Today · 4.125%
HK$42,987
baseline
▲ 0.50% · 4.625%
HK$45,603
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,974/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,001
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,208
−HK$1,224/mo
Today · 4.125%
HK$47,432
baseline
▲ 0.50% · 4.625%
HK$49,932
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,864/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,192
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,660
−HK$1,492/mo
Today · 4.125%
HK$50,152
baseline
▲ 0.50% · 4.625%
HK$53,203
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,304/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,501
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,909
−HK$1,428/mo
Today · 4.125%
HK$55,337
baseline
▲ 0.50% · 4.625%
HK$58,254
+HK$2,917/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,674/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,676
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,563
−HK$1,918/mo
Today · 4.125%
HK$64,481
baseline
▲ 0.50% · 4.625%
HK$68,404
+HK$3,923/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,962/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,501
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,312
−HK$1,836/mo
Today · 4.125%
HK$71,148
baseline
▲ 0.50% · 4.625%
HK$74,898
+HK$3,750/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,296/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,358 · Scale 2, in force from 26 Feb 2026)