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$33,626
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,672
−HK$1,063/mo
Today · 4.125%
HK$35,735
baseline
▲ 0.50% · 4.625%
HK$37,909
+HK$2,174/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,470/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,409
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,412
−HK$1,018/mo
Today · 4.125%
HK$39,430
baseline
▲ 0.50% · 4.625%
HK$41,508
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,860/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,351
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,607
−HK$1,275/mo
Today · 4.125%
HK$42,882
baseline
▲ 0.50% · 4.625%
HK$45,491
+HK$2,609/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,764/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,891
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,095
−HK$1,221/mo
Today · 4.125%
HK$47,316
baseline
▲ 0.50% · 4.625%
HK$49,810
+HK$2,494/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,632/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$553,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,077
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,541
−HK$1,488/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$53,073
+HK$3,044/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$100,058/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,372
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,777
−HK$1,425/mo
Today · 4.125%
HK$55,202
baseline
▲ 0.50% · 4.625%
HK$58,112
+HK$2,910/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,404/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,527
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,410
−HK$1,913/mo
Today · 4.125%
HK$64,323
baseline
▲ 0.50% · 4.625%
HK$68,237
+HK$3,914/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$128,646/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,336
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,142
−HK$1,832/mo
Today · 4.125%
HK$70,974
baseline
▲ 0.50% · 4.625%
HK$74,715
+HK$3,741/mo
Deposit HK$1.47M · loan HK$13.27M · min. income ≈ HK$141,948/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,001 · Scale 2, in force from 26 Feb 2026)