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$33,840
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,893
−HK$1,069/mo
Today · 4.125%
HK$35,962
baseline
▲ 0.50% · 4.625%
HK$38,150
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,924/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,647
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,657
−HK$1,024/mo
Today · 4.125%
HK$39,681
baseline
▲ 0.50% · 4.625%
HK$41,772
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,362/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,608
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,871
−HK$1,284/mo
Today · 4.125%
HK$43,155
baseline
▲ 0.50% · 4.625%
HK$45,781
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,310/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,176
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,388
−HK$1,229/mo
Today · 4.125%
HK$47,617
baseline
▲ 0.50% · 4.625%
HK$50,127
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,234/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,376
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,850
−HK$1,497/mo
Today · 4.125%
HK$50,347
baseline
▲ 0.50% · 4.625%
HK$53,411
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,694/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,706
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,119
−HK$1,434/mo
Today · 4.125%
HK$55,553
baseline
▲ 0.50% · 4.625%
HK$58,481
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,106/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,912
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,807
−HK$1,925/mo
Today · 4.125%
HK$64,732
baseline
▲ 0.50% · 4.625%
HK$68,671
+HK$3,939/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,464/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,764
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,582
−HK$1,843/mo
Today · 4.125%
HK$71,425
baseline
▲ 0.50% · 4.625%
HK$75,190
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,850/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,520 · Scale 2, in force from 26 Feb 2026)