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$33,890
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,944
−HK$1,071/mo
Today · 4.125%
HK$36,015
baseline
▲ 0.50% · 4.625%
HK$38,207
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,030/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,702
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,714
−HK$1,025/mo
Today · 4.125%
HK$39,739
baseline
▲ 0.50% · 4.625%
HK$41,834
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,478/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,668
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,933
−HK$1,285/mo
Today · 4.125%
HK$43,218
baseline
▲ 0.50% · 4.625%
HK$45,848
+HK$2,630/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$86,436/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,243
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,456
−HK$1,231/mo
Today · 4.125%
HK$47,687
baseline
▲ 0.50% · 4.625%
HK$50,201
+HK$2,514/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$95,374/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,446
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,922
−HK$1,499/mo
Today · 4.125%
HK$50,421
baseline
▲ 0.50% · 4.625%
HK$53,489
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,842/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,783
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,199
−HK$1,436/mo
Today · 4.125%
HK$55,635
baseline
▲ 0.50% · 4.625%
HK$58,568
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,270/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,002
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,900
−HK$1,928/mo
Today · 4.125%
HK$64,828
baseline
▲ 0.50% · 4.625%
HK$68,772
+HK$3,944/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,656/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,864
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,684
−HK$1,847/mo
Today · 4.125%
HK$71,531
baseline
▲ 0.50% · 4.625%
HK$75,301
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,062/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,341 · Scale 2, in force from 26 Feb 2026)