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$33,711
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,759
−HK$1,066/mo
Today · 4.125%
HK$35,825
baseline
▲ 0.50% · 4.625%
HK$38,005
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,650/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,503
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,509
−HK$1,020/mo
Today · 4.125%
HK$39,529
baseline
▲ 0.50% · 4.625%
HK$41,613
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,058/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,453
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,711
−HK$1,279/mo
Today · 4.125%
HK$42,990
baseline
▲ 0.50% · 4.625%
HK$45,606
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,980/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,003
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,210
−HK$1,225/mo
Today · 4.125%
HK$47,435
baseline
▲ 0.50% · 4.625%
HK$49,935
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,870/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,195
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,663
−HK$1,492/mo
Today · 4.125%
HK$50,155
baseline
▲ 0.50% · 4.625%
HK$53,206
+HK$3,051/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,310/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,504
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,912
−HK$1,429/mo
Today · 4.125%
HK$55,341
baseline
▲ 0.50% · 4.625%
HK$58,258
+HK$2,917/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,682/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,679
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,567
−HK$1,918/mo
Today · 4.125%
HK$64,485
baseline
▲ 0.50% · 4.625%
HK$68,408
+HK$3,923/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$128,970/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,505
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,316
−HK$1,836/mo
Today · 4.125%
HK$71,152
baseline
▲ 0.50% · 4.625%
HK$74,903
+HK$3,751/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,304/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,392 · Scale 2, in force from 26 Feb 2026)