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$33,898
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,952
−HK$1,072/mo
Today · 4.125%
HK$36,024
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,048/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,711
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,026/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,678
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,943
−HK$1,286/mo
Today · 4.125%
HK$43,229
baseline
▲ 0.50% · 4.625%
HK$45,859
+HK$2,630/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,458/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,254
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,467
−HK$1,231/mo
Today · 4.125%
HK$47,698
baseline
▲ 0.50% · 4.625%
HK$50,213
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,396/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,457
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,933
−HK$1,500/mo
Today · 4.125%
HK$50,433
baseline
▲ 0.50% · 4.625%
HK$53,502
+HK$3,069/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,866/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,796
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,212
−HK$1,436/mo
Today · 4.125%
HK$55,648
baseline
▲ 0.50% · 4.625%
HK$58,581
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,296/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,017
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,914
−HK$1,929/mo
Today · 4.125%
HK$64,843
baseline
▲ 0.50% · 4.625%
HK$68,788
+HK$3,945/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,686/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,880
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,701
−HK$1,847/mo
Today · 4.125%
HK$71,548
baseline
▲ 0.50% · 4.625%
HK$75,319
+HK$3,771/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,096/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,472 · Scale 2, in force from 26 Feb 2026)