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$33,696
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,744
−HK$1,065/mo
Today · 4.125%
HK$35,809
baseline
▲ 0.50% · 4.625%
HK$37,988
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,618/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,486
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,491
−HK$1,020/mo
Today · 4.125%
HK$39,511
baseline
▲ 0.50% · 4.625%
HK$41,594
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,022/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,435
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,692
−HK$1,278/mo
Today · 4.125%
HK$42,970
baseline
▲ 0.50% · 4.625%
HK$45,585
+HK$2,615/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,940/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,983
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,190
−HK$1,224/mo
Today · 4.125%
HK$47,414
baseline
▲ 0.50% · 4.625%
HK$49,913
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,828/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,174
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,641
−HK$1,491/mo
Today · 4.125%
HK$50,132
baseline
▲ 0.50% · 4.625%
HK$53,183
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,264/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,480
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,888
−HK$1,428/mo
Today · 4.125%
HK$55,316
baseline
▲ 0.50% · 4.625%
HK$58,232
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,632/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,652
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,539
−HK$1,917/mo
Today · 4.125%
HK$64,456
baseline
▲ 0.50% · 4.625%
HK$68,378
+HK$3,922/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,912/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,475
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,285
−HK$1,835/mo
Today · 4.125%
HK$71,120
baseline
▲ 0.50% · 4.625%
HK$74,869
+HK$3,749/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,240/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,142 · Scale 2, in force from 26 Feb 2026)