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$33,635
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,681
−HK$1,063/mo
Today · 4.125%
HK$35,744
baseline
▲ 0.50% · 4.625%
HK$37,919
+HK$2,175/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,488/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,419
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,422
−HK$1,018/mo
Today · 4.125%
HK$39,440
baseline
▲ 0.50% · 4.625%
HK$41,519
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,880/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,362
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,617
−HK$1,276/mo
Today · 4.125%
HK$42,893
baseline
▲ 0.50% · 4.625%
HK$45,503
+HK$2,610/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,786/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,902
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,107
−HK$1,221/mo
Today · 4.125%
HK$47,328
baseline
▲ 0.50% · 4.625%
HK$49,823
+HK$2,495/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,656/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,089
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,554
−HK$1,488/mo
Today · 4.125%
HK$50,042
baseline
▲ 0.50% · 4.625%
HK$53,087
+HK$3,045/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,084/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,386
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,791
−HK$1,425/mo
Today · 4.125%
HK$55,216
baseline
▲ 0.50% · 4.625%
HK$58,127
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,432/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,543
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,426
−HK$1,914/mo
Today · 4.125%
HK$64,340
baseline
▲ 0.50% · 4.625%
HK$68,255
+HK$3,915/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,680/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,353
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,160
−HK$1,832/mo
Today · 4.125%
HK$70,992
baseline
▲ 0.50% · 4.625%
HK$74,735
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$141,984/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,146 · Scale 2, in force from 26 Feb 2026)