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$33,842
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,895
−HK$1,070/mo
Today · 4.125%
HK$35,965
baseline
▲ 0.50% · 4.625%
HK$38,153
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,930/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,024/mo
Today · 4.125%
HK$39,683
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,366/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,611
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,874
−HK$1,283/mo
Today · 4.125%
HK$43,157
baseline
▲ 0.50% · 4.625%
HK$45,783
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,314/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,179
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,391
−HK$1,229/mo
Today · 4.125%
HK$47,620
baseline
▲ 0.50% · 4.625%
HK$50,130
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,240/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,379
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,853
−HK$1,497/mo
Today · 4.125%
HK$50,350
baseline
▲ 0.50% · 4.625%
HK$53,414
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,700/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,709
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,123
−HK$1,434/mo
Today · 4.125%
HK$55,557
baseline
▲ 0.50% · 4.625%
HK$58,485
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,114/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,916
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,811
−HK$1,925/mo
Today · 4.125%
HK$64,736
baseline
▲ 0.50% · 4.625%
HK$68,675
+HK$3,939/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,472/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,769
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,586
−HK$1,844/mo
Today · 4.125%
HK$71,430
baseline
▲ 0.50% · 4.625%
HK$75,195
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,860/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,555 · Scale 2, in force from 26 Feb 2026)