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$33,658
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$1,064/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,945
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,444
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,449
−HK$1,018/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,548
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,390
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,646
−HK$1,276/mo
Today · 4.125%
HK$42,922
baseline
▲ 0.50% · 4.625%
HK$45,534
+HK$2,612/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$85,844/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,933
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,138
−HK$1,223/mo
Today · 4.125%
HK$47,361
baseline
▲ 0.50% · 4.625%
HK$49,857
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.86M · min. income ≈ HK$94,722/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,121
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,587
−HK$1,489/mo
Today · 4.125%
HK$50,076
baseline
▲ 0.50% · 4.625%
HK$53,123
+HK$3,047/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,152/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,422
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,828
−HK$1,426/mo
Today · 4.125%
HK$55,254
baseline
▲ 0.50% · 4.625%
HK$58,167
+HK$2,913/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,508/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,585
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,469
−HK$1,915/mo
Today · 4.125%
HK$64,384
baseline
▲ 0.50% · 4.625%
HK$68,301
+HK$3,917/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,768/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,400
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,207
−HK$1,834/mo
Today · 4.125%
HK$71,041
baseline
▲ 0.50% · 4.625%
HK$74,786
+HK$3,745/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,082/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,525 · Scale 2, in force from 26 Feb 2026)