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$33,883
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,937
−HK$1,071/mo
Today · 4.125%
HK$36,008
baseline
▲ 0.50% · 4.625%
HK$38,199
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,016/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,695
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,706
−HK$1,025/mo
Today · 4.125%
HK$39,731
baseline
▲ 0.50% · 4.625%
HK$41,825
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,462/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,660
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,925
−HK$1,285/mo
Today · 4.125%
HK$43,210
baseline
▲ 0.50% · 4.625%
HK$45,839
+HK$2,629/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$86,420/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,234
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,447
−HK$1,230/mo
Today · 4.125%
HK$47,677
baseline
▲ 0.50% · 4.625%
HK$50,191
+HK$2,514/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$95,354/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,436
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,912
−HK$1,499/mo
Today · 4.125%
HK$50,411
baseline
▲ 0.50% · 4.625%
HK$53,478
+HK$3,067/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,822/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,773
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,188
−HK$1,436/mo
Today · 4.125%
HK$55,624
baseline
▲ 0.50% · 4.625%
HK$58,556
+HK$2,932/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,248/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,990
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,927/mo
Today · 4.125%
HK$64,814
baseline
▲ 0.50% · 4.625%
HK$68,758
+HK$3,944/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,628/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,850
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,670
−HK$1,846/mo
Today · 4.125%
HK$71,516
baseline
▲ 0.50% · 4.625%
HK$75,286
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$143,032/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,227 · Scale 2, in force from 26 Feb 2026)