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$33,872
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,926
−HK$1,070/mo
Today · 4.125%
HK$35,996
baseline
▲ 0.50% · 4.625%
HK$38,186
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,992/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$557,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,682
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,693
−HK$1,025/mo
Today · 4.125%
HK$39,718
baseline
▲ 0.50% · 4.625%
HK$41,812
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,436/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$557,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,646
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,911
−HK$1,284/mo
Today · 4.125%
HK$43,195
baseline
▲ 0.50% · 4.625%
HK$45,824
+HK$2,629/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,390/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,219
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,431
−HK$1,231/mo
Today · 4.125%
HK$47,662
baseline
▲ 0.50% · 4.625%
HK$50,174
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,324/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,421
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,896
−HK$1,498/mo
Today · 4.125%
HK$50,394
baseline
▲ 0.50% · 4.625%
HK$53,461
+HK$3,067/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,788/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,755
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,170
−HK$1,435/mo
Today · 4.125%
HK$55,605
baseline
▲ 0.50% · 4.625%
HK$58,536
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,210/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,969
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,866
−HK$1,927/mo
Today · 4.125%
HK$64,793
baseline
▲ 0.50% · 4.625%
HK$68,735
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,586/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,828
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,647
−HK$1,845/mo
Today · 4.125%
HK$71,492
baseline
▲ 0.50% · 4.625%
HK$75,261
+HK$3,769/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,984/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,042 · Scale 2, in force from 26 Feb 2026)