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$33,853
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,906
−HK$1,070/mo
Today · 4.125%
HK$35,976
baseline
▲ 0.50% · 4.625%
HK$38,165
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,952/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,661
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,671
−HK$1,025/mo
Today · 4.125%
HK$39,696
baseline
▲ 0.50% · 4.625%
HK$41,788
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,392/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,624
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,887
−HK$1,284/mo
Today · 4.125%
HK$43,171
baseline
▲ 0.50% · 4.625%
HK$45,798
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,342/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,194
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,406
−HK$1,229/mo
Today · 4.125%
HK$47,635
baseline
▲ 0.50% · 4.625%
HK$50,146
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,270/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,394
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,869
−HK$1,498/mo
Today · 4.125%
HK$50,367
baseline
▲ 0.50% · 4.625%
HK$53,431
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,734/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,726
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,140
−HK$1,434/mo
Today · 4.125%
HK$55,574
baseline
▲ 0.50% · 4.625%
HK$58,504
+HK$2,930/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,148/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,936
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,831
−HK$1,926/mo
Today · 4.125%
HK$64,757
baseline
▲ 0.50% · 4.625%
HK$68,697
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,514/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,790
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,609
−HK$1,844/mo
Today · 4.125%
HK$71,453
baseline
▲ 0.50% · 4.625%
HK$75,219
+HK$3,766/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,906/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,734 · Scale 2, in force from 26 Feb 2026)