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$33,842
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$1,070/mo
Today · 4.125%
HK$35,964
baseline
▲ 0.50% · 4.625%
HK$38,152
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,928/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,658
−HK$1,025/mo
Today · 4.125%
HK$39,683
baseline
▲ 0.50% · 4.625%
HK$41,774
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,366/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,610
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,873
−HK$1,284/mo
Today · 4.125%
HK$43,157
baseline
▲ 0.50% · 4.625%
HK$45,783
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,314/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,178
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,390
−HK$1,229/mo
Today · 4.125%
HK$47,619
baseline
▲ 0.50% · 4.625%
HK$50,129
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,238/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,378
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,852
−HK$1,497/mo
Today · 4.125%
HK$50,349
baseline
▲ 0.50% · 4.625%
HK$53,413
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,698/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,708
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,122
−HK$1,434/mo
Today · 4.125%
HK$55,556
baseline
▲ 0.50% · 4.625%
HK$58,484
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,112/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,915
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,810
−HK$1,925/mo
Today · 4.125%
HK$64,735
baseline
▲ 0.50% · 4.625%
HK$68,674
+HK$3,939/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,470/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,767
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,585
−HK$1,844/mo
Today · 4.125%
HK$71,429
baseline
▲ 0.50% · 4.625%
HK$75,194
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,858/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,545 · Scale 2, in force from 26 Feb 2026)