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$33,841
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$1,069/mo
Today · 4.125%
HK$35,963
baseline
▲ 0.50% · 4.625%
HK$38,152
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,926/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,648
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,658
−HK$1,024/mo
Today · 4.125%
HK$39,682
baseline
▲ 0.50% · 4.625%
HK$41,774
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,364/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,609
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,873
−HK$1,283/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,782
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,177
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,389
−HK$1,229/mo
Today · 4.125%
HK$47,618
baseline
▲ 0.50% · 4.625%
HK$50,128
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,236/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,378
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,851
−HK$1,498/mo
Today · 4.125%
HK$50,349
baseline
▲ 0.50% · 4.625%
HK$53,412
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,698/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,707
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,121
−HK$1,434/mo
Today · 4.125%
HK$55,555
baseline
▲ 0.50% · 4.625%
HK$58,483
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,110/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,914
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,809
−HK$1,925/mo
Today · 4.125%
HK$64,734
baseline
▲ 0.50% · 4.625%
HK$68,673
+HK$3,939/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,468/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,766
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,584
−HK$1,843/mo
Today · 4.125%
HK$71,427
baseline
▲ 0.50% · 4.625%
HK$75,192
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,854/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,535 · Scale 2, in force from 26 Feb 2026)