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$33,840
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,893
−HK$1,070/mo
Today · 4.125%
HK$35,963
baseline
▲ 0.50% · 4.625%
HK$38,151
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,926/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,647
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,657
−HK$1,024/mo
Today · 4.125%
HK$39,681
baseline
▲ 0.50% · 4.625%
HK$41,773
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,362/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,609
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,872
−HK$1,283/mo
Today · 4.125%
HK$43,155
baseline
▲ 0.50% · 4.625%
HK$45,781
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,310/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,177
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,388
−HK$1,229/mo
Today · 4.125%
HK$47,617
baseline
▲ 0.50% · 4.625%
HK$50,127
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,234/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,377
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,850
−HK$1,498/mo
Today · 4.125%
HK$50,348
baseline
▲ 0.50% · 4.625%
HK$53,411
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,696/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,706
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,120
−HK$1,434/mo
Today · 4.125%
HK$55,554
baseline
▲ 0.50% · 4.625%
HK$58,482
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,108/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,913
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,808
−HK$1,925/mo
Today · 4.125%
HK$64,733
baseline
▲ 0.50% · 4.625%
HK$68,671
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,466/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,765
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,582
−HK$1,844/mo
Today · 4.125%
HK$71,426
baseline
▲ 0.50% · 4.625%
HK$75,191
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,852/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,524 · Scale 2, in force from 26 Feb 2026)