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$33,862
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,916
−HK$1,070/mo
Today · 4.125%
HK$35,986
baseline
▲ 0.50% · 4.625%
HK$38,175
+HK$2,189/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,972/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,671
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,682
−HK$1,025/mo
Today · 4.125%
HK$39,707
baseline
▲ 0.50% · 4.625%
HK$41,800
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,414/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,635
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,899
−HK$1,284/mo
Today · 4.125%
HK$43,183
baseline
▲ 0.50% · 4.625%
HK$45,810
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,366/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,206
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,418
−HK$1,230/mo
Today · 4.125%
HK$47,648
baseline
▲ 0.50% · 4.625%
HK$50,160
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,296/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,407
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,882
−HK$1,498/mo
Today · 4.125%
HK$50,380
baseline
▲ 0.50% · 4.625%
HK$53,445
+HK$3,065/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,760/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,740
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,154
−HK$1,435/mo
Today · 4.125%
HK$55,589
baseline
▲ 0.50% · 4.625%
HK$58,520
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,178/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,952
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,848
−HK$1,926/mo
Today · 4.125%
HK$64,774
baseline
▲ 0.50% · 4.625%
HK$68,716
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,548/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,809
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,627
−HK$1,845/mo
Today · 4.125%
HK$71,472
baseline
▲ 0.50% · 4.625%
HK$75,239
+HK$3,767/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,944/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,883 · Scale 2, in force from 26 Feb 2026)