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$33,905
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,959
−HK$1,072/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$38,223
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,730
−HK$1,027/mo
Today · 4.125%
HK$39,757
baseline
▲ 0.50% · 4.625%
HK$41,852
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,514/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,286/mo
Today · 4.125%
HK$43,237
baseline
▲ 0.50% · 4.625%
HK$45,868
+HK$2,631/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,474/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,262
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,476
−HK$1,232/mo
Today · 4.125%
HK$47,708
baseline
▲ 0.50% · 4.625%
HK$50,223
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,416/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,467
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,943
−HK$1,500/mo
Today · 4.125%
HK$50,443
baseline
▲ 0.50% · 4.625%
HK$53,513
+HK$3,070/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,886/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,806
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,222
−HK$1,437/mo
Today · 4.125%
HK$55,659
baseline
▲ 0.50% · 4.625%
HK$58,593
+HK$2,934/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,318/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,029
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,927
−HK$1,929/mo
Today · 4.125%
HK$64,856
baseline
▲ 0.50% · 4.625%
HK$68,802
+HK$3,946/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,712/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,894
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,715
−HK$1,847/mo
Today · 4.125%
HK$71,562
baseline
▲ 0.50% · 4.625%
HK$75,334
+HK$3,772/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,124/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,582 · Scale 2, in force from 26 Feb 2026)