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$33,856
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,910
−HK$1,070/mo
Today · 4.125%
HK$35,980
baseline
▲ 0.50% · 4.625%
HK$38,169
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,960/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,665
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,675
−HK$1,025/mo
Today · 4.125%
HK$39,700
baseline
▲ 0.50% · 4.625%
HK$41,792
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,400/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,628
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,891
−HK$1,284/mo
Today · 4.125%
HK$43,175
baseline
▲ 0.50% · 4.625%
HK$45,803
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,350/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,198
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,410
−HK$1,230/mo
Today · 4.125%
HK$47,640
baseline
▲ 0.50% · 4.625%
HK$50,151
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,280/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,399
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,873
−HK$1,498/mo
Today · 4.125%
HK$50,371
baseline
▲ 0.50% · 4.625%
HK$53,436
+HK$3,065/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,742/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,731
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,145
−HK$1,435/mo
Today · 4.125%
HK$55,580
baseline
▲ 0.50% · 4.625%
HK$58,509
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,160/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,942
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,837
−HK$1,926/mo
Today · 4.125%
HK$64,763
baseline
▲ 0.50% · 4.625%
HK$68,704
+HK$3,941/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,526/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,797
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,615
−HK$1,845/mo
Today · 4.125%
HK$71,460
baseline
▲ 0.50% · 4.625%
HK$75,226
+HK$3,766/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,920/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,787 · Scale 2, in force from 26 Feb 2026)