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$33,592
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,636
−HK$1,062/mo
Today · 4.125%
HK$35,698
baseline
▲ 0.50% · 4.625%
HK$37,870
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,396/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,370
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,373
−HK$1,016/mo
Today · 4.125%
HK$39,389
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,778/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,310
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,564
−HK$1,274/mo
Today · 4.125%
HK$42,838
baseline
▲ 0.50% · 4.625%
HK$45,444
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,676/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,844
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,047
−HK$1,220/mo
Today · 4.125%
HK$47,267
baseline
▲ 0.50% · 4.625%
HK$49,759
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,534/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,028
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,491
−HK$1,486/mo
Today · 4.125%
HK$49,977
baseline
▲ 0.50% · 4.625%
HK$53,018
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,954/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,318
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,722
−HK$1,423/mo
Today · 4.125%
HK$55,145
baseline
▲ 0.50% · 4.625%
HK$58,052
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,290/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,465
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,346
−HK$1,911/mo
Today · 4.125%
HK$64,257
baseline
▲ 0.50% · 4.625%
HK$68,166
+HK$3,909/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,514/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,267
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,071
−HK$1,830/mo
Today · 4.125%
HK$70,901
baseline
▲ 0.50% · 4.625%
HK$74,638
+HK$3,737/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,802/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,432 · Scale 2, in force from 26 Feb 2026)