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$33,710
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,759
−HK$1,065/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$38,004
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,508
−HK$1,020/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,612
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,452
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,710
−HK$1,279/mo
Today · 4.125%
HK$42,989
baseline
▲ 0.50% · 4.625%
HK$45,605
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,978/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,003
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,210
−HK$1,224/mo
Today · 4.125%
HK$47,434
baseline
▲ 0.50% · 4.625%
HK$49,934
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,868/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,194
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,662
−HK$1,492/mo
Today · 4.125%
HK$50,154
baseline
▲ 0.50% · 4.625%
HK$53,205
+HK$3,051/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,308/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,503
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,911
−HK$1,429/mo
Today · 4.125%
HK$55,340
baseline
▲ 0.50% · 4.625%
HK$58,257
+HK$2,917/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,680/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,678
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,566
−HK$1,917/mo
Today · 4.125%
HK$64,483
baseline
▲ 0.50% · 4.625%
HK$68,407
+HK$3,924/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$128,966/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,504
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,314
−HK$1,837/mo
Today · 4.125%
HK$71,151
baseline
▲ 0.50% · 4.625%
HK$74,901
+HK$3,750/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,302/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,380 · Scale 2, in force from 26 Feb 2026)