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$33,609
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,654
−HK$1,062/mo
Today · 4.125%
HK$35,716
baseline
▲ 0.50% · 4.625%
HK$37,890
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,432/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,389
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,392
−HK$1,017/mo
Today · 4.125%
HK$39,409
baseline
▲ 0.50% · 4.625%
HK$41,487
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,818/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,331
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,585
−HK$1,275/mo
Today · 4.125%
HK$42,860
baseline
▲ 0.50% · 4.625%
HK$45,467
+HK$2,607/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,720/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,867
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,071
−HK$1,220/mo
Today · 4.125%
HK$47,291
baseline
▲ 0.50% · 4.625%
HK$49,784
+HK$2,493/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,582/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,052
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,516
−HK$1,487/mo
Today · 4.125%
HK$50,003
baseline
▲ 0.50% · 4.625%
HK$53,045
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,006/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,345
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,749
−HK$1,424/mo
Today · 4.125%
HK$55,173
baseline
▲ 0.50% · 4.625%
HK$58,081
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,346/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,496
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,378
−HK$1,911/mo
Today · 4.125%
HK$64,289
baseline
▲ 0.50% · 4.625%
HK$68,201
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,578/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,301
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,106
−HK$1,831/mo
Today · 4.125%
HK$70,937
baseline
▲ 0.50% · 4.625%
HK$74,676
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,874/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,714 · Scale 2, in force from 26 Feb 2026)