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$33,831
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,883
−HK$1,070/mo
Today · 4.125%
HK$35,953
baseline
▲ 0.50% · 4.625%
HK$38,140
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,906/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,637
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,646
−HK$1,024/mo
Today · 4.125%
HK$39,670
baseline
▲ 0.50% · 4.625%
HK$41,761
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,340/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,597
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,860
−HK$1,283/mo
Today · 4.125%
HK$43,143
baseline
▲ 0.50% · 4.625%
HK$45,768
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,286/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,164
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,375
−HK$1,229/mo
Today · 4.125%
HK$47,604
baseline
▲ 0.50% · 4.625%
HK$50,114
+HK$2,510/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,208/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,364
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,837
−HK$1,497/mo
Today · 4.125%
HK$50,334
baseline
▲ 0.50% · 4.625%
HK$53,396
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,668/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,691
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,105
−HK$1,433/mo
Today · 4.125%
HK$55,538
baseline
▲ 0.50% · 4.625%
HK$58,466
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,076/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,896
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,790
−HK$1,925/mo
Today · 4.125%
HK$64,715
baseline
▲ 0.50% · 4.625%
HK$68,652
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,430/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,746
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,563
−HK$1,843/mo
Today · 4.125%
HK$71,406
baseline
▲ 0.50% · 4.625%
HK$75,170
+HK$3,764/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,812/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,371 · Scale 2, in force from 26 Feb 2026)