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$33,834
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,886
−HK$1,070/mo
Today · 4.125%
HK$35,956
baseline
▲ 0.50% · 4.625%
HK$38,143
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,912/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,640
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,649
−HK$1,025/mo
Today · 4.125%
HK$39,674
baseline
▲ 0.50% · 4.625%
HK$41,765
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,348/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,601
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,864
−HK$1,283/mo
Today · 4.125%
HK$43,147
baseline
▲ 0.50% · 4.625%
HK$45,772
+HK$2,625/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,294/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,168
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,379
−HK$1,229/mo
Today · 4.125%
HK$47,608
baseline
▲ 0.50% · 4.625%
HK$50,118
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,216/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,368
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,841
−HK$1,497/mo
Today · 4.125%
HK$50,338
baseline
▲ 0.50% · 4.625%
HK$53,401
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,676/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,696
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,109
−HK$1,434/mo
Today · 4.125%
HK$55,543
baseline
▲ 0.50% · 4.625%
HK$58,471
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,086/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,901
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,795
−HK$1,925/mo
Today · 4.125%
HK$64,720
baseline
▲ 0.50% · 4.625%
HK$68,658
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,440/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,752
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,569
−HK$1,843/mo
Today · 4.125%
HK$71,412
baseline
▲ 0.50% · 4.625%
HK$75,177
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,824/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,418 · Scale 2, in force from 26 Feb 2026)