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$33,602
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,648
−HK$1,062/mo
Today · 4.125%
HK$35,710
baseline
▲ 0.50% · 4.625%
HK$37,882
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,420/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,382
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,385
−HK$1,017/mo
Today · 4.125%
HK$39,402
baseline
▲ 0.50% · 4.625%
HK$41,479
+HK$2,077/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,804/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,323
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,577
−HK$1,275/mo
Today · 4.125%
HK$42,852
baseline
▲ 0.50% · 4.625%
HK$45,459
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,704/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,859
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,062
−HK$1,220/mo
Today · 4.125%
HK$47,282
baseline
▲ 0.50% · 4.625%
HK$49,775
+HK$2,493/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,564/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,043
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,507
−HK$1,486/mo
Today · 4.125%
HK$49,993
baseline
▲ 0.50% · 4.625%
HK$53,035
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$99,986/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,335
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,739
−HK$1,424/mo
Today · 4.125%
HK$55,163
baseline
▲ 0.50% · 4.625%
HK$58,071
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,326/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,484
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,366
−HK$1,911/mo
Today · 4.125%
HK$64,277
baseline
▲ 0.50% · 4.625%
HK$68,188
+HK$3,911/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,554/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,288
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,093
−HK$1,831/mo
Today · 4.125%
HK$70,924
baseline
▲ 0.50% · 4.625%
HK$74,662
+HK$3,738/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,848/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,610 · Scale 2, in force from 26 Feb 2026)