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$33,899
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,953
−HK$1,071/mo
Today · 4.125%
HK$36,024
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,048/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,712
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,026/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$41,845
+HK$2,096/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,678
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,944
−HK$1,285/mo
Today · 4.125%
HK$43,229
baseline
▲ 0.50% · 4.625%
HK$45,860
+HK$2,631/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,458/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,254
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,468
−HK$1,231/mo
Today · 4.125%
HK$47,699
baseline
▲ 0.50% · 4.625%
HK$50,213
+HK$2,514/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,398/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,458
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,934
−HK$1,500/mo
Today · 4.125%
HK$50,434
baseline
▲ 0.50% · 4.625%
HK$53,503
+HK$3,069/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,868/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,797
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,213
−HK$1,436/mo
Today · 4.125%
HK$55,649
baseline
▲ 0.50% · 4.625%
HK$58,582
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,298/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,017
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,915
−HK$1,929/mo
Today · 4.125%
HK$64,844
baseline
▲ 0.50% · 4.625%
HK$68,789
+HK$3,945/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,688/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,881
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,702
−HK$1,847/mo
Today · 4.125%
HK$71,549
baseline
▲ 0.50% · 4.625%
HK$75,320
+HK$3,771/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,098/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,480 · Scale 2, in force from 26 Feb 2026)