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$33,839
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,891
−HK$1,070/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,645
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,655
−HK$1,024/mo
Today · 4.125%
HK$39,679
baseline
▲ 0.50% · 4.625%
HK$41,771
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,358/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,607
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,870
−HK$1,283/mo
Today · 4.125%
HK$43,153
baseline
▲ 0.50% · 4.625%
HK$45,779
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,306/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,174
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,386
−HK$1,229/mo
Today · 4.125%
HK$47,615
baseline
▲ 0.50% · 4.625%
HK$50,125
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,230/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,374
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,848
−HK$1,497/mo
Today · 4.125%
HK$50,345
baseline
▲ 0.50% · 4.625%
HK$53,408
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,690/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,703
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,117
−HK$1,434/mo
Today · 4.125%
HK$55,551
baseline
▲ 0.50% · 4.625%
HK$58,479
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,102/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,910
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,804
−HK$1,925/mo
Today · 4.125%
HK$64,729
baseline
▲ 0.50% · 4.625%
HK$68,668
+HK$3,939/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,458/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,762
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,579
−HK$1,843/mo
Today · 4.125%
HK$71,422
baseline
▲ 0.50% · 4.625%
HK$75,187
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,844/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,497 · Scale 2, in force from 26 Feb 2026)