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$33,879
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,932
−HK$1,071/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$38,194
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,690
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,700
−HK$1,026/mo
Today · 4.125%
HK$39,726
baseline
▲ 0.50% · 4.625%
HK$41,820
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,452/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,654
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,919
−HK$1,285/mo
Today · 4.125%
HK$43,204
baseline
▲ 0.50% · 4.625%
HK$45,833
+HK$2,629/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,408/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,228
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,441
−HK$1,230/mo
Today · 4.125%
HK$47,671
baseline
▲ 0.50% · 4.625%
HK$50,184
+HK$2,513/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,342/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,430
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,905
−HK$1,499/mo
Today · 4.125%
HK$50,404
baseline
▲ 0.50% · 4.625%
HK$53,471
+HK$3,067/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,808/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,766
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,181
−HK$1,435/mo
Today · 4.125%
HK$55,616
baseline
▲ 0.50% · 4.625%
HK$58,548
+HK$2,932/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,232/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,982
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,878
−HK$1,928/mo
Today · 4.125%
HK$64,806
baseline
▲ 0.50% · 4.625%
HK$68,749
+HK$3,943/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,612/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,841
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,661
−HK$1,846/mo
Today · 4.125%
HK$71,507
baseline
▲ 0.50% · 4.625%
HK$75,276
+HK$3,769/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$143,014/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,153 · Scale 2, in force from 26 Feb 2026)