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$33,673
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$1,064/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,962
+HK$2,177/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,461
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,466
−HK$1,019/mo
Today · 4.125%
HK$39,485
baseline
▲ 0.50% · 4.625%
HK$41,566
+HK$2,081/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,970/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,408
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,665
−HK$1,277/mo
Today · 4.125%
HK$42,942
baseline
▲ 0.50% · 4.625%
HK$45,555
+HK$2,613/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,884/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,953
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,159
−HK$1,223/mo
Today · 4.125%
HK$47,382
baseline
▲ 0.50% · 4.625%
HK$49,880
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,764/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,143
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,609
−HK$1,490/mo
Today · 4.125%
HK$50,099
baseline
▲ 0.50% · 4.625%
HK$53,147
+HK$3,048/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,198/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,446
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,852
−HK$1,427/mo
Today · 4.125%
HK$55,279
baseline
▲ 0.50% · 4.625%
HK$58,193
+HK$2,914/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,558/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,612
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,497
−HK$1,916/mo
Today · 4.125%
HK$64,413
baseline
▲ 0.50% · 4.625%
HK$68,332
+HK$3,919/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,826/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,430
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,239
−HK$1,834/mo
Today · 4.125%
HK$71,073
baseline
▲ 0.50% · 4.625%
HK$74,820
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,146/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,776 · Scale 2, in force from 26 Feb 2026)