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$33,653
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$1,064/mo
Today · 4.125%
HK$35,764
baseline
▲ 0.50% · 4.625%
HK$37,940
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,528/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,439
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,443
−HK$1,019/mo
Today · 4.125%
HK$39,462
baseline
▲ 0.50% · 4.625%
HK$41,542
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,924/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,384
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,640
−HK$1,276/mo
Today · 4.125%
HK$42,916
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,612/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$85,832/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,927
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,132
−HK$1,222/mo
Today · 4.125%
HK$47,354
baseline
▲ 0.50% · 4.625%
HK$49,850
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$94,708/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,115
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,580
−HK$1,489/mo
Today · 4.125%
HK$50,069
baseline
▲ 0.50% · 4.625%
HK$53,116
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,138/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,415
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,820
−HK$1,426/mo
Today · 4.125%
HK$55,246
baseline
▲ 0.50% · 4.625%
HK$58,159
+HK$2,913/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,492/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,576
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,460
−HK$1,915/mo
Today · 4.125%
HK$64,375
baseline
▲ 0.50% · 4.625%
HK$68,292
+HK$3,917/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,750/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,390
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,198
−HK$1,833/mo
Today · 4.125%
HK$71,031
baseline
▲ 0.50% · 4.625%
HK$74,775
+HK$3,744/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,062/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,447 · Scale 2, in force from 26 Feb 2026)