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$33,881
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,934
−HK$1,071/mo
Today · 4.125%
HK$36,005
baseline
▲ 0.50% · 4.625%
HK$38,196
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,010/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,692
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,703
−HK$1,025/mo
Today · 4.125%
HK$39,728
baseline
▲ 0.50% · 4.625%
HK$41,822
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,456/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,657
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,921
−HK$1,285/mo
Today · 4.125%
HK$43,206
baseline
▲ 0.50% · 4.625%
HK$45,835
+HK$2,629/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,412/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,230
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,443
−HK$1,231/mo
Today · 4.125%
HK$47,674
baseline
▲ 0.50% · 4.625%
HK$50,187
+HK$2,513/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,348/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,433
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,908
−HK$1,499/mo
Today · 4.125%
HK$50,407
baseline
▲ 0.50% · 4.625%
HK$53,474
+HK$3,067/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,814/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,768
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,184
−HK$1,435/mo
Today · 4.125%
HK$55,619
baseline
▲ 0.50% · 4.625%
HK$58,551
+HK$2,932/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,238/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,985
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,882
−HK$1,927/mo
Today · 4.125%
HK$64,809
baseline
▲ 0.50% · 4.625%
HK$68,753
+HK$3,944/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,618/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,845
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,665
−HK$1,846/mo
Today · 4.125%
HK$71,511
baseline
▲ 0.50% · 4.625%
HK$75,280
+HK$3,769/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$143,022/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,183 · Scale 2, in force from 26 Feb 2026)