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$33,906
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,961
−HK$1,072/mo
Today · 4.125%
HK$36,033
baseline
▲ 0.50% · 4.625%
HK$38,225
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,066/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,720
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,732
−HK$1,026/mo
Today · 4.125%
HK$39,758
baseline
▲ 0.50% · 4.625%
HK$41,854
+HK$2,096/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,516/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,688
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,953
−HK$1,286/mo
Today · 4.125%
HK$43,239
baseline
▲ 0.50% · 4.625%
HK$45,870
+HK$2,631/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,478/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,265
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,478
−HK$1,232/mo
Today · 4.125%
HK$47,710
baseline
▲ 0.50% · 4.625%
HK$50,225
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,420/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,469
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,945
−HK$1,501/mo
Today · 4.125%
HK$50,446
baseline
▲ 0.50% · 4.625%
HK$53,515
+HK$3,069/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,892/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,809
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,225
−HK$1,437/mo
Today · 4.125%
HK$55,662
baseline
▲ 0.50% · 4.625%
HK$58,596
+HK$2,934/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,324/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,031
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,930
−HK$1,929/mo
Today · 4.125%
HK$64,859
baseline
▲ 0.50% · 4.625%
HK$68,805
+HK$3,946/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,718/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,897
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,718
−HK$1,847/mo
Today · 4.125%
HK$71,565
baseline
▲ 0.50% · 4.625%
HK$75,337
+HK$3,772/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,130/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,607 · Scale 2, in force from 26 Feb 2026)