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$33,817
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,869
−HK$1,068/mo
Today · 4.125%
HK$35,937
baseline
▲ 0.50% · 4.625%
HK$38,124
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,874/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,621
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,630
−HK$1,023/mo
Today · 4.125%
HK$39,653
baseline
▲ 0.50% · 4.625%
HK$41,744
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,306/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,580
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,843
−HK$1,282/mo
Today · 4.125%
HK$43,125
baseline
▲ 0.50% · 4.625%
HK$45,749
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,250/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,145
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,356
−HK$1,228/mo
Today · 4.125%
HK$47,584
baseline
▲ 0.50% · 4.625%
HK$50,092
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,168/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,344
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,816
−HK$1,496/mo
Today · 4.125%
HK$50,312
baseline
▲ 0.50% · 4.625%
HK$53,374
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,624/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,669
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,082
−HK$1,433/mo
Today · 4.125%
HK$55,515
baseline
▲ 0.50% · 4.625%
HK$58,441
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,030/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,870
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,764
−HK$1,923/mo
Today · 4.125%
HK$64,687
baseline
▲ 0.50% · 4.625%
HK$68,624
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,374/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,718
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,534
−HK$1,842/mo
Today · 4.125%
HK$71,376
baseline
▲ 0.50% · 4.625%
HK$75,139
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,752/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,137 · Scale 2, in force from 26 Feb 2026)