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$33,826
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,878
−HK$1,069/mo
Today · 4.125%
HK$35,947
baseline
▲ 0.50% · 4.625%
HK$38,134
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,894/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,631
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,640
−HK$1,024/mo
Today · 4.125%
HK$39,664
baseline
▲ 0.50% · 4.625%
HK$41,755
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,328/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,591
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,854
−HK$1,282/mo
Today · 4.125%
HK$43,136
baseline
▲ 0.50% · 4.625%
HK$45,761
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,272/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,157
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,368
−HK$1,229/mo
Today · 4.125%
HK$47,597
baseline
▲ 0.50% · 4.625%
HK$50,106
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,194/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,356
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,829
−HK$1,497/mo
Today · 4.125%
HK$50,326
baseline
▲ 0.50% · 4.625%
HK$53,388
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,652/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,683
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,096
−HK$1,434/mo
Today · 4.125%
HK$55,530
baseline
▲ 0.50% · 4.625%
HK$58,457
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,060/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,886
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,780
−HK$1,925/mo
Today · 4.125%
HK$64,705
baseline
▲ 0.50% · 4.625%
HK$68,642
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,410/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,736
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,552
−HK$1,843/mo
Today · 4.125%
HK$71,395
baseline
▲ 0.50% · 4.625%
HK$75,158
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,790/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,284 · Scale 2, in force from 26 Feb 2026)