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$33,708
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$1,065/mo
Today · 4.125%
HK$35,822
baseline
▲ 0.50% · 4.625%
HK$38,002
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,644/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,500
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,506
−HK$1,020/mo
Today · 4.125%
HK$39,526
baseline
▲ 0.50% · 4.625%
HK$41,609
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,052/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,450
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,708
−HK$1,278/mo
Today · 4.125%
HK$42,986
baseline
▲ 0.50% · 4.625%
HK$45,602
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,972/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,000
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,207
−HK$1,224/mo
Today · 4.125%
HK$47,431
baseline
▲ 0.50% · 4.625%
HK$49,931
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,862/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,191
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,659
−HK$1,492/mo
Today · 4.125%
HK$50,151
baseline
▲ 0.50% · 4.625%
HK$53,202
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,302/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,500
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,908
−HK$1,428/mo
Today · 4.125%
HK$55,336
baseline
▲ 0.50% · 4.625%
HK$58,253
+HK$2,917/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,672/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,675
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,562
−HK$1,917/mo
Today · 4.125%
HK$64,479
baseline
▲ 0.50% · 4.625%
HK$68,403
+HK$3,924/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,958/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,500
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,310
−HK$1,837/mo
Today · 4.125%
HK$71,147
baseline
▲ 0.50% · 4.625%
HK$74,897
+HK$3,750/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,294/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,347 · Scale 2, in force from 26 Feb 2026)