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$33,710
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$1,066/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$38,003
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,507
−HK$1,021/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,611
+HK$2,083/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,452
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,710
−HK$1,278/mo
Today · 4.125%
HK$42,988
baseline
▲ 0.50% · 4.625%
HK$45,604
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,976/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,002
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,209
−HK$1,224/mo
Today · 4.125%
HK$47,433
baseline
▲ 0.50% · 4.625%
HK$49,934
+HK$2,501/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,866/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,193
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,661
−HK$1,492/mo
Today · 4.125%
HK$50,153
baseline
▲ 0.50% · 4.625%
HK$53,205
+HK$3,052/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,306/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,502
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,910
−HK$1,429/mo
Today · 4.125%
HK$55,339
baseline
▲ 0.50% · 4.625%
HK$58,256
+HK$2,917/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,678/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,677
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,565
−HK$1,917/mo
Today · 4.125%
HK$64,482
baseline
▲ 0.50% · 4.625%
HK$68,406
+HK$3,924/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,964/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,503
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,313
−HK$1,837/mo
Today · 4.125%
HK$71,150
baseline
▲ 0.50% · 4.625%
HK$74,900
+HK$3,750/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,300/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,373 · Scale 2, in force from 26 Feb 2026)