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$33,839
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,892
−HK$1,069/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,646
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,656
−HK$1,024/mo
Today · 4.125%
HK$39,680
baseline
▲ 0.50% · 4.625%
HK$41,771
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,360/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,607
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,870
−HK$1,284/mo
Today · 4.125%
HK$43,154
baseline
▲ 0.50% · 4.625%
HK$45,779
+HK$2,625/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,308/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,175
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,387
−HK$1,229/mo
Today · 4.125%
HK$47,616
baseline
▲ 0.50% · 4.625%
HK$50,126
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,232/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,375
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,849
−HK$1,497/mo
Today · 4.125%
HK$50,346
baseline
▲ 0.50% · 4.625%
HK$53,409
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,692/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,704
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,118
−HK$1,434/mo
Today · 4.125%
HK$55,552
baseline
▲ 0.50% · 4.625%
HK$58,480
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,104/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,911
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,805
−HK$1,925/mo
Today · 4.125%
HK$64,730
baseline
▲ 0.50% · 4.625%
HK$68,669
+HK$3,939/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,460/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,763
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,580
−HK$1,844/mo
Today · 4.125%
HK$71,424
baseline
▲ 0.50% · 4.625%
HK$75,188
+HK$3,764/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,848/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,505 · Scale 2, in force from 26 Feb 2026)