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$33,861
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,915
−HK$1,070/mo
Today · 4.125%
HK$35,985
baseline
▲ 0.50% · 4.625%
HK$38,174
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,970/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,671
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,681
−HK$1,025/mo
Today · 4.125%
HK$39,706
baseline
▲ 0.50% · 4.625%
HK$41,799
+HK$2,093/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,412/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,634
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,898
−HK$1,284/mo
Today · 4.125%
HK$43,182
baseline
▲ 0.50% · 4.625%
HK$45,809
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,364/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,205
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,417
−HK$1,230/mo
Today · 4.125%
HK$47,647
baseline
▲ 0.50% · 4.625%
HK$50,158
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,294/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,406
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,881
−HK$1,498/mo
Today · 4.125%
HK$50,379
baseline
▲ 0.50% · 4.625%
HK$53,444
+HK$3,065/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,758/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,739
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,153
−HK$1,435/mo
Today · 4.125%
HK$55,588
baseline
▲ 0.50% · 4.625%
HK$58,518
+HK$2,930/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,176/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,951
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,847
−HK$1,926/mo
Today · 4.125%
HK$64,773
baseline
▲ 0.50% · 4.625%
HK$68,714
+HK$3,941/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,546/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,807
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,626
−HK$1,844/mo
Today · 4.125%
HK$71,470
baseline
▲ 0.50% · 4.625%
HK$75,238
+HK$3,768/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,940/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,870 · Scale 2, in force from 26 Feb 2026)