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$33,588
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,633
−HK$1,061/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,866
+HK$2,172/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,388/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,366
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,368
−HK$1,017/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,461
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,305
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,559
−HK$1,274/mo
Today · 4.125%
HK$42,833
baseline
▲ 0.50% · 4.625%
HK$45,439
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,666/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,839
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,042
−HK$1,220/mo
Today · 4.125%
HK$47,262
baseline
▲ 0.50% · 4.625%
HK$49,753
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,524/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,486
−HK$1,486/mo
Today · 4.125%
HK$49,972
baseline
▲ 0.50% · 4.625%
HK$53,012
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,944/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,312
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,715
−HK$1,424/mo
Today · 4.125%
HK$55,139
baseline
▲ 0.50% · 4.625%
HK$58,045
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,278/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,458
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,339
−HK$1,910/mo
Today · 4.125%
HK$64,249
baseline
▲ 0.50% · 4.625%
HK$68,159
+HK$3,910/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,498/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,259
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,063
−HK$1,830/mo
Today · 4.125%
HK$70,893
baseline
▲ 0.50% · 4.625%
HK$74,630
+HK$3,737/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,786/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,369 · Scale 2, in force from 26 Feb 2026)