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$33,610
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,655
−HK$1,062/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,891
+HK$2,174/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$552,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,391
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,393
−HK$1,018/mo
Today · 4.125%
HK$39,411
baseline
▲ 0.50% · 4.625%
HK$41,488
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,822/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,332
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,586
−HK$1,275/mo
Today · 4.125%
HK$42,861
baseline
▲ 0.50% · 4.625%
HK$45,469
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,722/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,869
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,072
−HK$1,221/mo
Today · 4.125%
HK$47,293
baseline
▲ 0.50% · 4.625%
HK$49,786
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,586/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,054
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,517
−HK$1,487/mo
Today · 4.125%
HK$50,004
baseline
▲ 0.50% · 4.625%
HK$53,047
+HK$3,043/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,008/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,347
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,751
−HK$1,424/mo
Today · 4.125%
HK$55,175
baseline
▲ 0.50% · 4.625%
HK$58,083
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,350/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,498
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,379
−HK$1,912/mo
Today · 4.125%
HK$64,291
baseline
▲ 0.50% · 4.625%
HK$68,203
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,582/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,303
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,108
−HK$1,831/mo
Today · 4.125%
HK$70,939
baseline
▲ 0.50% · 4.625%
HK$74,678
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,878/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,731 · Scale 2, in force from 26 Feb 2026)