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$33,631
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,678
−HK$1,062/mo
Today · 4.125%
HK$35,740
baseline
▲ 0.50% · 4.625%
HK$37,915
+HK$2,175/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,480/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,415
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,418
−HK$1,018/mo
Today · 4.125%
HK$39,436
baseline
▲ 0.50% · 4.625%
HK$41,515
+HK$2,079/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,872/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,358
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,613
−HK$1,275/mo
Today · 4.125%
HK$42,888
baseline
▲ 0.50% · 4.625%
HK$45,498
+HK$2,610/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,776/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,898
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,102
−HK$1,221/mo
Today · 4.125%
HK$47,323
baseline
▲ 0.50% · 4.625%
HK$49,818
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,646/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,084
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,549
−HK$1,488/mo
Today · 4.125%
HK$50,037
baseline
▲ 0.50% · 4.625%
HK$53,081
+HK$3,044/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,074/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,380
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,785
−HK$1,425/mo
Today · 4.125%
HK$55,210
baseline
▲ 0.50% · 4.625%
HK$58,121
+HK$2,911/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,420/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,537
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,420
−HK$1,913/mo
Today · 4.125%
HK$64,333
baseline
▲ 0.50% · 4.625%
HK$68,247
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,666/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,346
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,153
−HK$1,832/mo
Today · 4.125%
HK$70,985
baseline
▲ 0.50% · 4.625%
HK$74,727
+HK$3,742/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,970/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,087 · Scale 2, in force from 26 Feb 2026)