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$33,682
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,730
−HK$1,064/mo
Today · 4.125%
HK$35,794
baseline
▲ 0.50% · 4.625%
HK$37,972
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,588/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,471
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,476
−HK$1,019/mo
Today · 4.125%
HK$39,495
baseline
▲ 0.50% · 4.625%
HK$41,577
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$78,990/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,418
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,675
−HK$1,278/mo
Today · 4.125%
HK$42,953
baseline
▲ 0.50% · 4.625%
HK$45,566
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,906/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,965
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,171
−HK$1,223/mo
Today · 4.125%
HK$47,394
baseline
▲ 0.50% · 4.625%
HK$49,892
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,788/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,155
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,621
−HK$1,491/mo
Today · 4.125%
HK$50,112
baseline
▲ 0.50% · 4.625%
HK$53,161
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,224/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,459
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,866
−HK$1,427/mo
Today · 4.125%
HK$55,293
baseline
▲ 0.50% · 4.625%
HK$58,208
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,586/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,627
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,513
−HK$1,916/mo
Today · 4.125%
HK$64,429
baseline
▲ 0.50% · 4.625%
HK$68,350
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,858/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,447
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,256
−HK$1,835/mo
Today · 4.125%
HK$71,091
baseline
▲ 0.50% · 4.625%
HK$74,839
+HK$3,748/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,182/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,916 · Scale 2, in force from 26 Feb 2026)