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$33,904
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,959
−HK$1,072/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$38,223
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,718
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,730
−HK$1,026/mo
Today · 4.125%
HK$39,756
baseline
▲ 0.50% · 4.625%
HK$41,852
+HK$2,096/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,512/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,685
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,286/mo
Today · 4.125%
HK$43,237
baseline
▲ 0.50% · 4.625%
HK$45,867
+HK$2,630/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,474/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,262
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,476
−HK$1,231/mo
Today · 4.125%
HK$47,707
baseline
▲ 0.50% · 4.625%
HK$50,222
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,414/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,466
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,943
−HK$1,500/mo
Today · 4.125%
HK$50,443
baseline
▲ 0.50% · 4.625%
HK$53,512
+HK$3,069/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,886/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,806
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,222
−HK$1,437/mo
Today · 4.125%
HK$55,659
baseline
▲ 0.50% · 4.625%
HK$58,592
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,318/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,028
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,926
−HK$1,929/mo
Today · 4.125%
HK$64,855
baseline
▲ 0.50% · 4.625%
HK$68,801
+HK$3,946/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,710/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,893
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,714
−HK$1,847/mo
Today · 4.125%
HK$71,561
baseline
▲ 0.50% · 4.625%
HK$75,333
+HK$3,772/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,122/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,576 · Scale 2, in force from 26 Feb 2026)