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$33,892
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$1,071/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$38,209
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,705
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,716
−HK$1,026/mo
Today · 4.125%
HK$39,742
baseline
▲ 0.50% · 4.625%
HK$41,837
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,484/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,671
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,936
−HK$1,285/mo
Today · 4.125%
HK$43,221
baseline
▲ 0.50% · 4.625%
HK$45,851
+HK$2,630/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,442/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,246
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,459
−HK$1,231/mo
Today · 4.125%
HK$47,690
baseline
▲ 0.50% · 4.625%
HK$50,204
+HK$2,514/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,380/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,449
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,925
−HK$1,500/mo
Today · 4.125%
HK$50,425
baseline
▲ 0.50% · 4.625%
HK$53,493
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,850/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,787
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,203
−HK$1,436/mo
Today · 4.125%
HK$55,639
baseline
▲ 0.50% · 4.625%
HK$58,572
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,278/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,006
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,904
−HK$1,928/mo
Today · 4.125%
HK$64,832
baseline
▲ 0.50% · 4.625%
HK$68,777
+HK$3,945/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,664/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,869
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,689
−HK$1,847/mo
Today · 4.125%
HK$71,536
baseline
▲ 0.50% · 4.625%
HK$75,306
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,072/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,378 · Scale 2, in force from 26 Feb 2026)