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$33,883
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,937
−HK$1,070/mo
Today · 4.125%
HK$36,007
baseline
▲ 0.50% · 4.625%
HK$38,198
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,014/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,694
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,705
−HK$1,026/mo
Today · 4.125%
HK$39,731
baseline
▲ 0.50% · 4.625%
HK$41,825
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,462/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,659
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,924
−HK$1,285/mo
Today · 4.125%
HK$43,209
baseline
▲ 0.50% · 4.625%
HK$45,838
+HK$2,629/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$86,418/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,233
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,446
−HK$1,231/mo
Today · 4.125%
HK$47,677
baseline
▲ 0.50% · 4.625%
HK$50,190
+HK$2,513/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$95,354/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,436
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,911
−HK$1,499/mo
Today · 4.125%
HK$50,410
baseline
▲ 0.50% · 4.625%
HK$53,478
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,820/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,772
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,187
−HK$1,436/mo
Today · 4.125%
HK$55,623
baseline
▲ 0.50% · 4.625%
HK$58,555
+HK$2,932/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,246/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,989
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,886
−HK$1,927/mo
Today · 4.125%
HK$64,813
baseline
▲ 0.50% · 4.625%
HK$68,757
+HK$3,944/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,626/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,850
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,669
−HK$1,846/mo
Today · 4.125%
HK$71,515
baseline
▲ 0.50% · 4.625%
HK$75,285
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$143,030/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,220 · Scale 2, in force from 26 Feb 2026)