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$33,879
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$1,070/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$38,194
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,690
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,701
−HK$1,025/mo
Today · 4.125%
HK$39,726
baseline
▲ 0.50% · 4.625%
HK$41,820
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,452/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,655
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,919
−HK$1,285/mo
Today · 4.125%
HK$43,204
baseline
▲ 0.50% · 4.625%
HK$45,833
+HK$2,629/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,408/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,228
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,441
−HK$1,231/mo
Today · 4.125%
HK$47,672
baseline
▲ 0.50% · 4.625%
HK$50,184
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,344/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,431
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,906
−HK$1,499/mo
Today · 4.125%
HK$50,405
baseline
▲ 0.50% · 4.625%
HK$53,472
+HK$3,067/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,810/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,766
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,181
−HK$1,436/mo
Today · 4.125%
HK$55,617
baseline
▲ 0.50% · 4.625%
HK$58,548
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,234/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,982
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,879
−HK$1,927/mo
Today · 4.125%
HK$64,806
baseline
▲ 0.50% · 4.625%
HK$68,750
+HK$3,944/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,612/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,842
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,661
−HK$1,846/mo
Today · 4.125%
HK$71,507
baseline
▲ 0.50% · 4.625%
HK$75,277
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$143,014/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,157 · Scale 2, in force from 26 Feb 2026)