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$33,823
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,875
−HK$1,069/mo
Today · 4.125%
HK$35,944
baseline
▲ 0.50% · 4.625%
HK$38,131
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,888/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,628
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,024/mo
Today · 4.125%
HK$39,661
baseline
▲ 0.50% · 4.625%
HK$41,752
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,322/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,588
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,851
−HK$1,282/mo
Today · 4.125%
HK$43,133
baseline
▲ 0.50% · 4.625%
HK$45,758
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,266/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,154
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,365
−HK$1,228/mo
Today · 4.125%
HK$47,593
baseline
▲ 0.50% · 4.625%
HK$50,102
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,186/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,353
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,826
−HK$1,496/mo
Today · 4.125%
HK$50,322
baseline
▲ 0.50% · 4.625%
HK$53,384
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,644/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,679
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,092
−HK$1,433/mo
Today · 4.125%
HK$55,525
baseline
▲ 0.50% · 4.625%
HK$58,452
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,050/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,882
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,776
−HK$1,924/mo
Today · 4.125%
HK$64,700
baseline
▲ 0.50% · 4.625%
HK$68,637
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,400/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,731
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,547
−HK$1,843/mo
Today · 4.125%
HK$71,390
baseline
▲ 0.50% · 4.625%
HK$75,153
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,780/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,243 · Scale 2, in force from 26 Feb 2026)