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$33,606
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,651
−HK$1,063/mo
Today · 4.125%
HK$35,714
baseline
▲ 0.50% · 4.625%
HK$37,887
+HK$2,173/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$71,428/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,386
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,389
−HK$1,017/mo
Today · 4.125%
HK$39,406
baseline
▲ 0.50% · 4.625%
HK$41,484
+HK$2,078/mo
Deposit HK$7.37M · loan HK$7.37M · min. income ≈ HK$78,812/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,327
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,582
−HK$1,274/mo
Today · 4.125%
HK$42,856
baseline
▲ 0.50% · 4.625%
HK$45,464
+HK$2,608/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$85,712/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,864
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,067
−HK$1,221/mo
Today · 4.125%
HK$47,288
baseline
▲ 0.50% · 4.625%
HK$49,780
+HK$2,492/mo
Deposit HK$5.90M · loan HK$8.84M · min. income ≈ HK$94,576/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$552,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,049
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,512
−HK$1,487/mo
Today · 4.125%
HK$49,999
baseline
▲ 0.50% · 4.625%
HK$53,041
+HK$3,042/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$99,998/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,341
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,745
−HK$1,424/mo
Today · 4.125%
HK$55,169
baseline
▲ 0.50% · 4.625%
HK$58,077
+HK$2,908/mo
Deposit HK$4.42M · loan HK$10.32M · min. income ≈ HK$110,338/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,491
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,373
−HK$1,911/mo
Today · 4.125%
HK$64,284
baseline
▲ 0.50% · 4.625%
HK$68,196
+HK$3,912/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,568/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,296
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,100
−HK$1,831/mo
Today · 4.125%
HK$70,931
baseline
▲ 0.50% · 4.625%
HK$74,670
+HK$3,739/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,862/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,671 · Scale 2, in force from 26 Feb 2026)