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$2,123/mo
▼ 0.25% · 3.875%
HK$34,914
−HK$1,070/mo
Today · 4.125%
HK$35,984
baseline
▲ 0.50% · 4.625%
HK$38,174
+HK$2,190/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,968/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,670
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,680
−HK$1,025/mo
Today · 4.125%
HK$39,705
baseline
▲ 0.50% · 4.625%
HK$41,798
+HK$2,093/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,410/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,633
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,284/mo
Today · 4.125%
HK$43,181
baseline
▲ 0.50% · 4.625%
HK$45,809
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,362/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,204
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,416
−HK$1,230/mo
Today · 4.125%
HK$47,646
baseline
▲ 0.50% · 4.625%
HK$50,158
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,292/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,405
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,880
−HK$1,498/mo
Today · 4.125%
HK$50,378
baseline
▲ 0.50% · 4.625%
HK$53,443
+HK$3,065/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,756/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,738
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,152
−HK$1,435/mo
Today · 4.125%
HK$55,587
baseline
▲ 0.50% · 4.625%
HK$58,517
+HK$2,930/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,174/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,950
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,846
−HK$1,926/mo
Today · 4.125%
HK$64,772
baseline
▲ 0.50% · 4.625%
HK$68,713
+HK$3,941/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,544/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,806
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,625
−HK$1,844/mo
Today · 4.125%
HK$71,469
baseline
▲ 0.50% · 4.625%
HK$75,237
+HK$3,768/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,938/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,862 · Scale 2, in force from 26 Feb 2026)