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$33,697
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$1,065/mo
Today · 4.125%
HK$35,810
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,620/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,487
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,493
−HK$1,020/mo
Today · 4.125%
HK$39,513
baseline
▲ 0.50% · 4.625%
HK$41,595
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,026/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,436
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,694
−HK$1,278/mo
Today · 4.125%
HK$42,972
baseline
▲ 0.50% · 4.625%
HK$45,586
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,944/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,985
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,224/mo
Today · 4.125%
HK$47,415
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,830/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,175
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,643
−HK$1,491/mo
Today · 4.125%
HK$50,134
baseline
▲ 0.50% · 4.625%
HK$53,184
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,268/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,482
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,890
−HK$1,428/mo
Today · 4.125%
HK$55,318
baseline
▲ 0.50% · 4.625%
HK$58,233
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,636/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,654
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,541
−HK$1,917/mo
Today · 4.125%
HK$64,458
baseline
▲ 0.50% · 4.625%
HK$68,380
+HK$3,922/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,916/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,477
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,287
−HK$1,836/mo
Today · 4.125%
HK$71,123
baseline
▲ 0.50% · 4.625%
HK$74,872
+HK$3,749/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,246/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,160 · Scale 2, in force from 26 Feb 2026)