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$33,912
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$1,072/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$38,232
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,739
−HK$1,026/mo
Today · 4.125%
HK$39,765
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,530/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,695
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,286/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,878
+HK$2,631/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,273
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,487
−HK$1,232/mo
Today · 4.125%
HK$47,719
baseline
▲ 0.50% · 4.625%
HK$50,234
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,438/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,477
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,954
−HK$1,501/mo
Today · 4.125%
HK$50,455
baseline
▲ 0.50% · 4.625%
HK$53,525
+HK$3,070/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,910/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,818
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,235
−HK$1,437/mo
Today · 4.125%
HK$55,672
baseline
▲ 0.50% · 4.625%
HK$58,606
+HK$2,934/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,344/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,042
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,941
−HK$1,929/mo
Today · 4.125%
HK$64,870
baseline
▲ 0.50% · 4.625%
HK$68,817
+HK$3,947/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,740/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,909
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,730
−HK$1,848/mo
Today · 4.125%
HK$71,578
baseline
▲ 0.50% · 4.625%
HK$75,351
+HK$3,773/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,156/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,707 · Scale 2, in force from 26 Feb 2026)