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$33,901
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,956
−HK$1,071/mo
Today · 4.125%
HK$36,027
baseline
▲ 0.50% · 4.625%
HK$38,220
+HK$2,193/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,054/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,715
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,727
−HK$1,026/mo
Today · 4.125%
HK$39,753
baseline
▲ 0.50% · 4.625%
HK$41,848
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,506/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,682
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,947
−HK$1,286/mo
Today · 4.125%
HK$43,233
baseline
▲ 0.50% · 4.625%
HK$45,863
+HK$2,630/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,466/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,258
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,472
−HK$1,231/mo
Today · 4.125%
HK$47,703
baseline
▲ 0.50% · 4.625%
HK$50,218
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,406/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,462
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,938
−HK$1,500/mo
Today · 4.125%
HK$50,438
baseline
▲ 0.50% · 4.625%
HK$53,507
+HK$3,069/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,876/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,801
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,217
−HK$1,437/mo
Today · 4.125%
HK$55,654
baseline
▲ 0.50% · 4.625%
HK$58,587
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,308/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,023
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,921
−HK$1,928/mo
Today · 4.125%
HK$64,849
baseline
▲ 0.50% · 4.625%
HK$68,795
+HK$3,946/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,698/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,887
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,708
−HK$1,847/mo
Today · 4.125%
HK$71,555
baseline
▲ 0.50% · 4.625%
HK$75,327
+HK$3,772/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,110/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,527 · Scale 2, in force from 26 Feb 2026)