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$33,683
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,730
−HK$1,065/mo
Today · 4.125%
HK$35,795
baseline
▲ 0.50% · 4.625%
HK$37,973
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,590/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,472
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,477
−HK$1,019/mo
Today · 4.125%
HK$39,496
baseline
▲ 0.50% · 4.625%
HK$41,578
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$78,992/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,419
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,677
−HK$1,277/mo
Today · 4.125%
HK$42,954
baseline
▲ 0.50% · 4.625%
HK$45,568
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,908/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,966
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,172
−HK$1,223/mo
Today · 4.125%
HK$47,395
baseline
▲ 0.50% · 4.625%
HK$49,894
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,790/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,156
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,623
−HK$1,490/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$53,162
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,460
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,867
−HK$1,428/mo
Today · 4.125%
HK$55,295
baseline
▲ 0.50% · 4.625%
HK$58,209
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,590/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,629
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,515
−HK$1,916/mo
Today · 4.125%
HK$64,431
baseline
▲ 0.50% · 4.625%
HK$68,351
+HK$3,920/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,862/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,449
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,258
−HK$1,835/mo
Today · 4.125%
HK$71,093
baseline
▲ 0.50% · 4.625%
HK$74,840
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,186/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,930 · Scale 2, in force from 26 Feb 2026)