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$33,820
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,872
−HK$1,069/mo
Today · 4.125%
HK$35,941
baseline
▲ 0.50% · 4.625%
HK$38,128
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,882/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,625
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,634
−HK$1,023/mo
Today · 4.125%
HK$39,657
baseline
▲ 0.50% · 4.625%
HK$41,748
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,314/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,584
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,847
−HK$1,282/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,753
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,149
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,360
−HK$1,229/mo
Today · 4.125%
HK$47,589
baseline
▲ 0.50% · 4.625%
HK$50,097
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,178/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,348
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,821
−HK$1,496/mo
Today · 4.125%
HK$50,317
baseline
▲ 0.50% · 4.625%
HK$53,379
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,634/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,674
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,087
−HK$1,433/mo
Today · 4.125%
HK$55,520
baseline
▲ 0.50% · 4.625%
HK$58,447
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,040/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,876
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,770
−HK$1,924/mo
Today · 4.125%
HK$64,694
baseline
▲ 0.50% · 4.625%
HK$68,630
+HK$3,936/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,388/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,724
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,540
−HK$1,843/mo
Today · 4.125%
HK$71,383
baseline
▲ 0.50% · 4.625%
HK$75,146
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,766/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,190 · Scale 2, in force from 26 Feb 2026)