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$33,588
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,633
−HK$1,061/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,866
+HK$2,172/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,388/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,367
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,369
−HK$1,016/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,461
+HK$2,076/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,306
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,560
−HK$1,273/mo
Today · 4.125%
HK$42,833
baseline
▲ 0.50% · 4.625%
HK$45,440
+HK$2,607/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,666/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,840
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,042
−HK$1,220/mo
Today · 4.125%
HK$47,262
baseline
▲ 0.50% · 4.625%
HK$49,754
+HK$2,492/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,524/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,486
−HK$1,486/mo
Today · 4.125%
HK$49,972
baseline
▲ 0.50% · 4.625%
HK$53,013
+HK$3,041/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,944/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,313
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,716
−HK$1,423/mo
Today · 4.125%
HK$55,139
baseline
▲ 0.50% · 4.625%
HK$58,046
+HK$2,907/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,278/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,459
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,339
−HK$1,911/mo
Today · 4.125%
HK$64,250
baseline
▲ 0.50% · 4.625%
HK$68,160
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,500/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,260
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,064
−HK$1,830/mo
Today · 4.125%
HK$70,894
baseline
▲ 0.50% · 4.625%
HK$74,631
+HK$3,737/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,788/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,376 · Scale 2, in force from 26 Feb 2026)