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$33,693
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,741
−HK$1,065/mo
Today · 4.125%
HK$35,806
baseline
▲ 0.50% · 4.625%
HK$37,984
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,612/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,483
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,488
−HK$1,020/mo
Today · 4.125%
HK$39,508
baseline
▲ 0.50% · 4.625%
HK$41,590
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,016/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,431
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,689
−HK$1,278/mo
Today · 4.125%
HK$42,967
baseline
▲ 0.50% · 4.625%
HK$45,581
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,934/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,979
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,186
−HK$1,224/mo
Today · 4.125%
HK$47,410
baseline
▲ 0.50% · 4.625%
HK$49,909
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,820/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,170
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,637
−HK$1,491/mo
Today · 4.125%
HK$50,128
baseline
▲ 0.50% · 4.625%
HK$53,178
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,256/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,476
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,883
−HK$1,428/mo
Today · 4.125%
HK$55,311
baseline
▲ 0.50% · 4.625%
HK$58,227
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,622/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,647
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,533
−HK$1,917/mo
Today · 4.125%
HK$64,450
baseline
▲ 0.50% · 4.625%
HK$68,372
+HK$3,922/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,900/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,469
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,279
−HK$1,835/mo
Today · 4.125%
HK$71,114
baseline
▲ 0.50% · 4.625%
HK$74,863
+HK$3,749/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,228/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,096 · Scale 2, in force from 26 Feb 2026)