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$33,649
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,696
−HK$1,063/mo
Today · 4.125%
HK$35,759
baseline
▲ 0.50% · 4.625%
HK$37,935
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,518/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,434
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,438
−HK$1,019/mo
Today · 4.125%
HK$39,457
baseline
▲ 0.50% · 4.625%
HK$41,537
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,914/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,379
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,635
−HK$1,276/mo
Today · 4.125%
HK$42,911
baseline
▲ 0.50% · 4.625%
HK$45,522
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,822/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,921
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,126
−HK$1,222/mo
Today · 4.125%
HK$47,348
baseline
▲ 0.50% · 4.625%
HK$49,844
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,696/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,109
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,574
−HK$1,489/mo
Today · 4.125%
HK$50,063
baseline
▲ 0.50% · 4.625%
HK$53,109
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,126/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,408
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,814
−HK$1,426/mo
Today · 4.125%
HK$55,240
baseline
▲ 0.50% · 4.625%
HK$58,151
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,480/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,568
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,453
−HK$1,914/mo
Today · 4.125%
HK$64,367
baseline
▲ 0.50% · 4.625%
HK$68,283
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,734/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,382
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,189
−HK$1,833/mo
Today · 4.125%
HK$71,022
baseline
▲ 0.50% · 4.625%
HK$74,766
+HK$3,744/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,044/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,378 · Scale 2, in force from 26 Feb 2026)