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$33,700
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,749
−HK$1,065/mo
Today · 4.125%
HK$35,814
baseline
▲ 0.50% · 4.625%
HK$37,993
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,628/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,491
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,497
−HK$1,020/mo
Today · 4.125%
HK$39,517
baseline
▲ 0.50% · 4.625%
HK$41,600
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,034/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,440
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,698
−HK$1,278/mo
Today · 4.125%
HK$42,976
baseline
▲ 0.50% · 4.625%
HK$45,591
+HK$2,615/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,952/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,989
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,196
−HK$1,224/mo
Today · 4.125%
HK$47,420
baseline
▲ 0.50% · 4.625%
HK$49,920
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,840/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,180
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,648
−HK$1,491/mo
Today · 4.125%
HK$50,139
baseline
▲ 0.50% · 4.625%
HK$53,190
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,278/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,488
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,895
−HK$1,428/mo
Today · 4.125%
HK$55,323
baseline
▲ 0.50% · 4.625%
HK$58,240
+HK$2,917/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,646/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,660
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,547
−HK$1,917/mo
Today · 4.125%
HK$64,464
baseline
▲ 0.50% · 4.625%
HK$68,387
+HK$3,923/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,928/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,484
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,294
−HK$1,836/mo
Today · 4.125%
HK$71,130
baseline
▲ 0.50% · 4.625%
HK$74,879
+HK$3,749/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,260/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,219 · Scale 2, in force from 26 Feb 2026)