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$33,869
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,923
−HK$1,070/mo
Today · 4.125%
HK$35,993
baseline
▲ 0.50% · 4.625%
HK$38,183
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,986/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,679
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,690
−HK$1,025/mo
Today · 4.125%
HK$39,715
baseline
▲ 0.50% · 4.625%
HK$41,808
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,430/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,643
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,907
−HK$1,285/mo
Today · 4.125%
HK$43,192
baseline
▲ 0.50% · 4.625%
HK$45,820
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,384/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,215
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,428
−HK$1,230/mo
Today · 4.125%
HK$47,658
baseline
▲ 0.50% · 4.625%
HK$50,170
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,316/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,417
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,892
−HK$1,498/mo
Today · 4.125%
HK$50,390
baseline
▲ 0.50% · 4.625%
HK$53,456
+HK$3,066/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,780/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,751
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,166
−HK$1,435/mo
Today · 4.125%
HK$55,601
baseline
▲ 0.50% · 4.625%
HK$58,532
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,202/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,965
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,861
−HK$1,927/mo
Today · 4.125%
HK$64,788
baseline
▲ 0.50% · 4.625%
HK$68,730
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,576/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,822
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,641
−HK$1,846/mo
Today · 4.125%
HK$71,487
baseline
▲ 0.50% · 4.625%
HK$75,255
+HK$3,768/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,974/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,997 · Scale 2, in force from 26 Feb 2026)