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$33,690
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,738
−HK$1,065/mo
Today · 4.125%
HK$35,803
baseline
▲ 0.50% · 4.625%
HK$37,981
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,606/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,480
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,485
−HK$1,020/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,587
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,428
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,685
−HK$1,278/mo
Today · 4.125%
HK$42,963
baseline
▲ 0.50% · 4.625%
HK$45,577
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,926/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,976
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,182
−HK$1,223/mo
Today · 4.125%
HK$47,405
baseline
▲ 0.50% · 4.625%
HK$49,904
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,810/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$554,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,166
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,633
−HK$1,491/mo
Today · 4.125%
HK$50,124
baseline
▲ 0.50% · 4.625%
HK$53,173
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,248/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,471
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,879
−HK$1,427/mo
Today · 4.125%
HK$55,306
baseline
▲ 0.50% · 4.625%
HK$58,222
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,612/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,642
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,528
−HK$1,917/mo
Today · 4.125%
HK$64,445
baseline
▲ 0.50% · 4.625%
HK$68,366
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,890/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,463
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,273
−HK$1,835/mo
Today · 4.125%
HK$71,108
baseline
▲ 0.50% · 4.625%
HK$74,856
+HK$3,748/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,216/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,048 · Scale 2, in force from 26 Feb 2026)