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$33,843
−HK$2,122/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$556,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,025/mo
Today · 4.125%
HK$39,684
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,368/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,611
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,874
−HK$1,284/mo
Today · 4.125%
HK$43,158
baseline
▲ 0.50% · 4.625%
HK$45,784
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,316/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,558 · 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$556,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,380
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,853
−HK$1,498/mo
Today · 4.125%
HK$50,351
baseline
▲ 0.50% · 4.625%
HK$53,414
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,702/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,558 · 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$556,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,917
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,811
−HK$1,926/mo
Today · 4.125%
HK$64,737
baseline
▲ 0.50% · 4.625%
HK$68,676
+HK$3,939/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,474/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,769
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,587
−HK$1,843/mo
Today · 4.125%
HK$71,430
baseline
▲ 0.50% · 4.625%
HK$75,196
+HK$3,766/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$556,558 · Scale 2, in force from 26 Feb 2026)