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$33,873
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,927
−HK$1,070/mo
Today · 4.125%
HK$35,997
baseline
▲ 0.50% · 4.625%
HK$38,188
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,994/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$557,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,684
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,694
−HK$1,025/mo
Today · 4.125%
HK$39,719
baseline
▲ 0.50% · 4.625%
HK$41,813
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,438/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$557,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,648
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,912
−HK$1,285/mo
Today · 4.125%
HK$43,197
baseline
▲ 0.50% · 4.625%
HK$45,825
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,394/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,220
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,433
−HK$1,230/mo
Today · 4.125%
HK$47,663
baseline
▲ 0.50% · 4.625%
HK$50,176
+HK$2,513/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,326/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,422
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,898
−HK$1,498/mo
Today · 4.125%
HK$50,396
baseline
▲ 0.50% · 4.625%
HK$53,463
+HK$3,067/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,792/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,757
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,172
−HK$1,435/mo
Today · 4.125%
HK$55,607
baseline
▲ 0.50% · 4.625%
HK$58,538
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,214/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,972
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,868
−HK$1,927/mo
Today · 4.125%
HK$64,795
baseline
▲ 0.50% · 4.625%
HK$68,738
+HK$3,943/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,590/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,830
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,650
−HK$1,845/mo
Today · 4.125%
HK$71,495
baseline
▲ 0.50% · 4.625%
HK$75,264
+HK$3,769/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,990/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,062 · Scale 2, in force from 26 Feb 2026)