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$33,688
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,736
−HK$1,065/mo
Today · 4.125%
HK$35,801
baseline
▲ 0.50% · 4.625%
HK$37,979
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,602/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,478
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,483
−HK$1,019/mo
Today · 4.125%
HK$39,502
baseline
▲ 0.50% · 4.625%
HK$41,585
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,004/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,426
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,683
−HK$1,278/mo
Today · 4.125%
HK$42,961
baseline
▲ 0.50% · 4.625%
HK$45,575
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,922/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,973
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,179
−HK$1,224/mo
Today · 4.125%
HK$47,403
baseline
▲ 0.50% · 4.625%
HK$49,902
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,806/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,163
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,630
−HK$1,491/mo
Today · 4.125%
HK$50,121
baseline
▲ 0.50% · 4.625%
HK$53,171
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,242/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,469
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,876
−HK$1,427/mo
Today · 4.125%
HK$55,303
baseline
▲ 0.50% · 4.625%
HK$58,219
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,606/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,638
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,525
−HK$1,916/mo
Today · 4.125%
HK$64,441
baseline
▲ 0.50% · 4.625%
HK$68,362
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,882/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,460
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,269
−HK$1,835/mo
Today · 4.125%
HK$71,104
baseline
▲ 0.50% · 4.625%
HK$74,852
+HK$3,748/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,208/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,018 · Scale 2, in force from 26 Feb 2026)