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$33,722
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$1,066/mo
Today · 4.125%
HK$35,837
baseline
▲ 0.50% · 4.625%
HK$38,017
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,674/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,515
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,521
−HK$1,021/mo
Today · 4.125%
HK$39,542
baseline
▲ 0.50% · 4.625%
HK$41,626
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,084/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,466
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,725
−HK$1,279/mo
Today · 4.125%
HK$43,004
baseline
▲ 0.50% · 4.625%
HK$45,621
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$86,008/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,018
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,226
−HK$1,225/mo
Today · 4.125%
HK$47,451
baseline
▲ 0.50% · 4.625%
HK$49,952
+HK$2,501/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$94,902/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,211
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,679
−HK$1,492/mo
Today · 4.125%
HK$50,171
baseline
▲ 0.50% · 4.625%
HK$53,224
+HK$3,053/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,342/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,521
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,930
−HK$1,429/mo
Today · 4.125%
HK$55,359
baseline
▲ 0.50% · 4.625%
HK$58,277
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,718/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,699
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,588
−HK$1,918/mo
Today · 4.125%
HK$64,506
baseline
▲ 0.50% · 4.625%
HK$68,431
+HK$3,925/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,012/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,528
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,339
−HK$1,837/mo
Today · 4.125%
HK$71,176
baseline
▲ 0.50% · 4.625%
HK$74,928
+HK$3,752/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,352/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,575 · Scale 2, in force from 26 Feb 2026)