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$33,833
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,886
−HK$1,069/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$38,142
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,639
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,648
−HK$1,025/mo
Today · 4.125%
HK$39,673
baseline
▲ 0.50% · 4.625%
HK$41,764
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,346/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,600
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,863
−HK$1,283/mo
Today · 4.125%
HK$43,146
baseline
▲ 0.50% · 4.625%
HK$45,771
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,292/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,167
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,378
−HK$1,229/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,116
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,366
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,840
−HK$1,497/mo
Today · 4.125%
HK$50,337
baseline
▲ 0.50% · 4.625%
HK$53,399
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,674/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,695
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,108
−HK$1,434/mo
Today · 4.125%
HK$55,542
baseline
▲ 0.50% · 4.625%
HK$58,469
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,084/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,900
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,794
−HK$1,925/mo
Today · 4.125%
HK$64,719
baseline
▲ 0.50% · 4.625%
HK$68,656
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,438/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,750
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,567
−HK$1,844/mo
Today · 4.125%
HK$71,411
baseline
▲ 0.50% · 4.625%
HK$75,175
+HK$3,764/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,822/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,403 · Scale 2, in force from 26 Feb 2026)