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$33,725
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,774
−HK$1,066/mo
Today · 4.125%
HK$35,840
baseline
▲ 0.50% · 4.625%
HK$38,020
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,680/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,518
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,525
−HK$1,021/mo
Today · 4.125%
HK$39,546
baseline
▲ 0.50% · 4.625%
HK$41,630
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,092/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,470
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,729
−HK$1,279/mo
Today · 4.125%
HK$43,008
baseline
▲ 0.50% · 4.625%
HK$45,624
+HK$2,616/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$86,016/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,022
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,230
−HK$1,225/mo
Today · 4.125%
HK$47,455
baseline
▲ 0.50% · 4.625%
HK$49,956
+HK$2,501/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$94,910/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,215
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,683
−HK$1,492/mo
Today · 4.125%
HK$50,175
baseline
▲ 0.50% · 4.625%
HK$53,229
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,350/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,526
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,935
−HK$1,429/mo
Today · 4.125%
HK$55,364
baseline
▲ 0.50% · 4.625%
HK$58,282
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,728/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,705
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,593
−HK$1,918/mo
Today · 4.125%
HK$64,511
baseline
▲ 0.50% · 4.625%
HK$68,437
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,022/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,533
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,345
−HK$1,837/mo
Today · 4.125%
HK$71,182
baseline
▲ 0.50% · 4.625%
HK$74,934
+HK$3,752/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,364/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,622 · Scale 2, in force from 26 Feb 2026)