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$33,821
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,873
−HK$1,069/mo
Today · 4.125%
HK$35,942
baseline
▲ 0.50% · 4.625%
HK$38,129
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,884/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,626
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,635
−HK$1,024/mo
Today · 4.125%
HK$39,659
baseline
▲ 0.50% · 4.625%
HK$41,749
+HK$2,090/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,318/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,585
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,848
−HK$1,282/mo
Today · 4.125%
HK$43,130
baseline
▲ 0.50% · 4.625%
HK$45,755
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,260/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,151
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,362
−HK$1,228/mo
Today · 4.125%
HK$47,590
baseline
▲ 0.50% · 4.625%
HK$50,099
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,180/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,350
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,823
−HK$1,496/mo
Today · 4.125%
HK$50,319
baseline
▲ 0.50% · 4.625%
HK$53,381
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,638/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,676
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,089
−HK$1,433/mo
Today · 4.125%
HK$55,522
baseline
▲ 0.50% · 4.625%
HK$58,449
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,044/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,878
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,772
−HK$1,924/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,632
+HK$3,936/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,392/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,726
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,543
−HK$1,842/mo
Today · 4.125%
HK$71,385
baseline
▲ 0.50% · 4.625%
HK$75,148
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,770/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,207 · Scale 2, in force from 26 Feb 2026)