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$33,829
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$1,069/mo
Today · 4.125%
HK$35,950
baseline
▲ 0.50% · 4.625%
HK$38,138
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,900/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,634
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,024/mo
Today · 4.125%
HK$39,668
baseline
▲ 0.50% · 4.625%
HK$41,759
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,336/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,595
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,857
−HK$1,283/mo
Today · 4.125%
HK$43,140
baseline
▲ 0.50% · 4.625%
HK$45,765
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,280/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,161
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,372
−HK$1,229/mo
Today · 4.125%
HK$47,601
baseline
▲ 0.50% · 4.625%
HK$50,110
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,202/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,360
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,834
−HK$1,496/mo
Today · 4.125%
HK$50,330
baseline
▲ 0.50% · 4.625%
HK$53,393
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,660/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,688
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,101
−HK$1,434/mo
Today · 4.125%
HK$55,535
baseline
▲ 0.50% · 4.625%
HK$58,462
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,070/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,892
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,786
−HK$1,924/mo
Today · 4.125%
HK$64,710
baseline
▲ 0.50% · 4.625%
HK$68,648
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,420/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,742
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,559
−HK$1,843/mo
Today · 4.125%
HK$71,402
baseline
▲ 0.50% · 4.625%
HK$75,165
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,804/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,334 · Scale 2, in force from 26 Feb 2026)