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$33,685
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$1,065/mo
Today · 4.125%
HK$35,798
baseline
▲ 0.50% · 4.625%
HK$37,976
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,596/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,475
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,480
−HK$1,019/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,581
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,422
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,680
−HK$1,277/mo
Today · 4.125%
HK$42,957
baseline
▲ 0.50% · 4.625%
HK$45,571
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,914/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,969
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,176
−HK$1,223/mo
Today · 4.125%
HK$47,399
baseline
▲ 0.50% · 4.625%
HK$49,898
+HK$2,499/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,798/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,159
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,626
−HK$1,491/mo
Today · 4.125%
HK$50,117
baseline
▲ 0.50% · 4.625%
HK$53,166
+HK$3,049/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,234/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,464
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,871
−HK$1,428/mo
Today · 4.125%
HK$55,299
baseline
▲ 0.50% · 4.625%
HK$58,214
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,598/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,634
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,520
−HK$1,916/mo
Today · 4.125%
HK$64,436
baseline
▲ 0.50% · 4.625%
HK$68,357
+HK$3,921/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,872/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,454
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,263
−HK$1,836/mo
Today · 4.125%
HK$71,099
baseline
▲ 0.50% · 4.625%
HK$74,846
+HK$3,747/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,198/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,973 · Scale 2, in force from 26 Feb 2026)