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$33,677
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,724
−HK$1,065/mo
Today · 4.125%
HK$35,789
baseline
▲ 0.50% · 4.625%
HK$37,966
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,578/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,465
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,019/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,571
+HK$2,082/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,412
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,669
−HK$1,277/mo
Today · 4.125%
HK$42,946
baseline
▲ 0.50% · 4.625%
HK$45,560
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,892/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,958
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,164
−HK$1,223/mo
Today · 4.125%
HK$47,387
baseline
▲ 0.50% · 4.625%
HK$49,885
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,774/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,148
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,614
−HK$1,490/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$53,153
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,208/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,451
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,858
−HK$1,427/mo
Today · 4.125%
HK$55,285
baseline
▲ 0.50% · 4.625%
HK$58,199
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,570/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,618
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,504
−HK$1,916/mo
Today · 4.125%
HK$64,420
baseline
▲ 0.50% · 4.625%
HK$68,339
+HK$3,919/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,840/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,437
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,246
−HK$1,835/mo
Today · 4.125%
HK$71,081
baseline
▲ 0.50% · 4.625%
HK$74,827
+HK$3,746/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,162/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,834 · Scale 2, in force from 26 Feb 2026)