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$33,644
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,690
−HK$1,064/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,929
+HK$2,175/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,428
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,432
−HK$1,018/mo
Today · 4.125%
HK$39,450
baseline
▲ 0.50% · 4.625%
HK$41,530
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,900/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,372
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,628
−HK$1,276/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,515
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,914
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,119
−HK$1,222/mo
Today · 4.125%
HK$47,341
baseline
▲ 0.50% · 4.625%
HK$49,836
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,682/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,101
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,566
−HK$1,489/mo
Today · 4.125%
HK$50,055
baseline
▲ 0.50% · 4.625%
HK$53,101
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,110/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,400
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,805
−HK$1,426/mo
Today · 4.125%
HK$55,231
baseline
▲ 0.50% · 4.625%
HK$58,142
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,462/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,559
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,442
−HK$1,914/mo
Today · 4.125%
HK$64,356
baseline
▲ 0.50% · 4.625%
HK$68,272
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,712/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,371
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,178
−HK$1,833/mo
Today · 4.125%
HK$71,011
baseline
▲ 0.50% · 4.625%
HK$74,754
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,022/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,289 · Scale 2, in force from 26 Feb 2026)