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$33,827
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,879
−HK$1,069/mo
Today · 4.125%
HK$35,948
baseline
▲ 0.50% · 4.625%
HK$38,135
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,896/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,632
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,641
−HK$1,024/mo
Today · 4.125%
HK$39,665
baseline
▲ 0.50% · 4.625%
HK$41,756
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,330/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,592
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,855
−HK$1,282/mo
Today · 4.125%
HK$43,137
baseline
▲ 0.50% · 4.625%
HK$45,762
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,274/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,158
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,369
−HK$1,229/mo
Today · 4.125%
HK$47,598
baseline
▲ 0.50% · 4.625%
HK$50,107
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,196/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,357
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,830
−HK$1,497/mo
Today · 4.125%
HK$50,327
baseline
▲ 0.50% · 4.625%
HK$53,389
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,654/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,685
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,098
−HK$1,433/mo
Today · 4.125%
HK$55,531
baseline
▲ 0.50% · 4.625%
HK$58,458
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,062/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,888
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,782
−HK$1,924/mo
Today · 4.125%
HK$64,706
baseline
▲ 0.50% · 4.625%
HK$68,643
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,412/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,737
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,554
−HK$1,843/mo
Today · 4.125%
HK$71,397
baseline
▲ 0.50% · 4.625%
HK$75,160
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,794/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,298 · Scale 2, in force from 26 Feb 2026)