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$33,644
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,691
−HK$1,063/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,930
+HK$2,176/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,429
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,433
−HK$1,018/mo
Today · 4.125%
HK$39,451
baseline
▲ 0.50% · 4.625%
HK$41,531
+HK$2,080/mo
Deposit HK$7.38M · loan HK$7.38M · min. income ≈ HK$78,902/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$553,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,373
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,629
−HK$1,276/mo
Today · 4.125%
HK$42,905
baseline
▲ 0.50% · 4.625%
HK$45,516
+HK$2,611/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$85,810/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,915
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,119
−HK$1,222/mo
Today · 4.125%
HK$47,341
baseline
▲ 0.50% · 4.625%
HK$49,837
+HK$2,496/mo
Deposit HK$5.90M · loan HK$8.85M · min. income ≈ HK$94,682/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,102
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,567
−HK$1,489/mo
Today · 4.125%
HK$50,056
baseline
▲ 0.50% · 4.625%
HK$53,102
+HK$3,046/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$100,112/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,401
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,806
−HK$1,426/mo
Today · 4.125%
HK$55,232
baseline
▲ 0.50% · 4.625%
HK$58,143
+HK$2,911/mo
Deposit HK$4.43M · loan HK$10.33M · min. income ≈ HK$110,464/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$553,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,560
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,444
−HK$1,913/mo
Today · 4.125%
HK$64,357
baseline
▲ 0.50% · 4.625%
HK$68,273
+HK$3,916/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$128,714/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,372
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,179
−HK$1,833/mo
Today · 4.125%
HK$71,012
baseline
▲ 0.50% · 4.625%
HK$74,755
+HK$3,743/mo
Deposit HK$1.48M · loan HK$13.28M · min. income ≈ HK$142,024/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,299 · Scale 2, in force from 26 Feb 2026)