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$33,900
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,954
−HK$1,071/mo
Today · 4.125%
HK$36,025
baseline
▲ 0.50% · 4.625%
HK$38,217
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,050/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,713
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,724
−HK$1,027/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$41,846
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,680
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,945
−HK$1,286/mo
Today · 4.125%
HK$43,231
baseline
▲ 0.50% · 4.625%
HK$45,861
+HK$2,630/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,462/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,256
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,469
−HK$1,232/mo
Today · 4.125%
HK$47,701
baseline
▲ 0.50% · 4.625%
HK$50,215
+HK$2,514/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,402/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,459
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,936
−HK$1,500/mo
Today · 4.125%
HK$50,436
baseline
▲ 0.50% · 4.625%
HK$53,504
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,872/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,798
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,214
−HK$1,437/mo
Today · 4.125%
HK$55,651
baseline
▲ 0.50% · 4.625%
HK$58,584
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,302/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,019
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,917
−HK$1,929/mo
Today · 4.125%
HK$64,846
baseline
▲ 0.50% · 4.625%
HK$68,791
+HK$3,945/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,692/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,883
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,704
−HK$1,847/mo
Today · 4.125%
HK$71,551
baseline
▲ 0.50% · 4.625%
HK$75,322
+HK$3,771/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,102/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,497 · Scale 2, in force from 26 Feb 2026)