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$33,892
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,946
−HK$1,071/mo
Today · 4.125%
HK$36,017
baseline
▲ 0.50% · 4.625%
HK$38,209
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,034/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,704
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,716
−HK$1,025/mo
Today · 4.125%
HK$39,741
baseline
▲ 0.50% · 4.625%
HK$41,836
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,482/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,670
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,935
−HK$1,286/mo
Today · 4.125%
HK$43,221
baseline
▲ 0.50% · 4.625%
HK$45,850
+HK$2,629/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,442/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,459
−HK$1,231/mo
Today · 4.125%
HK$47,690
baseline
▲ 0.50% · 4.625%
HK$50,203
+HK$2,513/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,380/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,449
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,924
−HK$1,500/mo
Today · 4.125%
HK$50,424
baseline
▲ 0.50% · 4.625%
HK$53,492
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,848/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,786
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,202
−HK$1,436/mo
Today · 4.125%
HK$55,638
baseline
▲ 0.50% · 4.625%
HK$58,571
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,276/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,005
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,903
−HK$1,928/mo
Today · 4.125%
HK$64,831
baseline
▲ 0.50% · 4.625%
HK$68,776
+HK$3,945/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,662/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,868
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,688
−HK$1,846/mo
Today · 4.125%
HK$71,534
baseline
▲ 0.50% · 4.625%
HK$75,305
+HK$3,771/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,068/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,369 · Scale 2, in force from 26 Feb 2026)