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$33,851
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,904
−HK$1,070/mo
Today · 4.125%
HK$35,974
baseline
▲ 0.50% · 4.625%
HK$38,163
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,948/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,659
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,669
−HK$1,025/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$41,786
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,621
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,885
−HK$1,284/mo
Today · 4.125%
HK$43,169
baseline
▲ 0.50% · 4.625%
HK$45,795
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,338/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,191
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,403
−HK$1,229/mo
Today · 4.125%
HK$47,632
baseline
▲ 0.50% · 4.625%
HK$50,143
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,264/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,392
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,866
−HK$1,498/mo
Today · 4.125%
HK$50,364
baseline
▲ 0.50% · 4.625%
HK$53,428
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,728/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,723
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,137
−HK$1,434/mo
Today · 4.125%
HK$55,571
baseline
▲ 0.50% · 4.625%
HK$58,500
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,142/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,932
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,828
−HK$1,925/mo
Today · 4.125%
HK$64,753
baseline
▲ 0.50% · 4.625%
HK$68,693
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,506/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,786
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,604
−HK$1,845/mo
Today · 4.125%
HK$71,449
baseline
▲ 0.50% · 4.625%
HK$75,215
+HK$3,766/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,898/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,701 · Scale 2, in force from 26 Feb 2026)