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$33,852
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,905
−HK$1,069/mo
Today · 4.125%
HK$35,974
baseline
▲ 0.50% · 4.625%
HK$38,163
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,948/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,660
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,670
−HK$1,024/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$41,787
+HK$2,093/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,622
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,885
−HK$1,284/mo
Today · 4.125%
HK$43,169
baseline
▲ 0.50% · 4.625%
HK$45,796
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,338/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,191
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,403
−HK$1,230/mo
Today · 4.125%
HK$47,633
baseline
▲ 0.50% · 4.625%
HK$50,144
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,266/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,392
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,866
−HK$1,498/mo
Today · 4.125%
HK$50,364
baseline
▲ 0.50% · 4.625%
HK$53,429
+HK$3,065/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,728/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,723
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,137
−HK$1,435/mo
Today · 4.125%
HK$55,572
baseline
▲ 0.50% · 4.625%
HK$58,501
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,144/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,933
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,828
−HK$1,926/mo
Today · 4.125%
HK$64,754
baseline
▲ 0.50% · 4.625%
HK$68,694
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,508/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,787
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,605
−HK$1,845/mo
Today · 4.125%
HK$71,450
baseline
▲ 0.50% · 4.625%
HK$75,216
+HK$3,766/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,900/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,707 · Scale 2, in force from 26 Feb 2026)