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$33,823
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,875
−HK$1,069/mo
Today · 4.125%
HK$35,944
baseline
▲ 0.50% · 4.625%
HK$38,131
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,888/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,628
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,024/mo
Today · 4.125%
HK$39,661
baseline
▲ 0.50% · 4.625%
HK$41,751
+HK$2,090/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,322/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,588
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,850
−HK$1,283/mo
Today · 4.125%
HK$43,133
baseline
▲ 0.50% · 4.625%
HK$45,757
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,266/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,153
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,364
−HK$1,229/mo
Today · 4.125%
HK$47,593
baseline
▲ 0.50% · 4.625%
HK$50,102
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,186/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,352
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,825
−HK$1,497/mo
Today · 4.125%
HK$50,322
baseline
▲ 0.50% · 4.625%
HK$53,384
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,644/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,679
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,092
−HK$1,433/mo
Today · 4.125%
HK$55,525
baseline
▲ 0.50% · 4.625%
HK$58,452
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,050/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,882
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,775
−HK$1,924/mo
Today · 4.125%
HK$64,699
baseline
▲ 0.50% · 4.625%
HK$68,636
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,398/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,730
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,547
−HK$1,842/mo
Today · 4.125%
HK$71,389
baseline
▲ 0.50% · 4.625%
HK$75,152
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,778/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,238 · Scale 2, in force from 26 Feb 2026)