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$33,824
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,876
−HK$1,069/mo
Today · 4.125%
HK$35,945
baseline
▲ 0.50% · 4.625%
HK$38,132
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,890/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,629
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,024/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$41,753
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,589
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,852
−HK$1,282/mo
Today · 4.125%
HK$43,134
baseline
▲ 0.50% · 4.625%
HK$45,759
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,268/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,155
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,366
−HK$1,229/mo
Today · 4.125%
HK$47,595
baseline
▲ 0.50% · 4.625%
HK$50,103
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,190/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,354
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,827
−HK$1,496/mo
Today · 4.125%
HK$50,323
baseline
▲ 0.50% · 4.625%
HK$53,385
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,646/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,681
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,094
−HK$1,433/mo
Today · 4.125%
HK$55,527
baseline
▲ 0.50% · 4.625%
HK$58,454
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,054/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,884
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,777
−HK$1,925/mo
Today · 4.125%
HK$64,702
baseline
▲ 0.50% · 4.625%
HK$68,638
+HK$3,936/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,404/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,732
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,549
−HK$1,843/mo
Today · 4.125%
HK$71,392
baseline
▲ 0.50% · 4.625%
HK$75,155
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,784/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,257 · Scale 2, in force from 26 Feb 2026)