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$33,651
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$1,064/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,937
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,436
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,019/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,079/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,381
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,637
−HK$1,276/mo
Today · 4.125%
HK$42,913
baseline
▲ 0.50% · 4.625%
HK$45,524
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,826/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,923
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,128
−HK$1,222/mo
Today · 4.125%
HK$47,350
baseline
▲ 0.50% · 4.625%
HK$49,846
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,700/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,111
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,576
−HK$1,489/mo
Today · 4.125%
HK$50,065
baseline
▲ 0.50% · 4.625%
HK$53,111
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,130/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,410
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,816
−HK$1,426/mo
Today · 4.125%
HK$55,242
baseline
▲ 0.50% · 4.625%
HK$58,154
+HK$2,912/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,484/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,571
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,455
−HK$1,914/mo
Today · 4.125%
HK$64,369
baseline
▲ 0.50% · 4.625%
HK$68,286
+HK$3,917/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,738/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,385
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,192
−HK$1,833/mo
Today · 4.125%
HK$71,025
baseline
▲ 0.50% · 4.625%
HK$74,769
+HK$3,744/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,050/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,402 · Scale 2, in force from 26 Feb 2026)