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$33,848
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$1,070/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$38,160
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,656
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,666
−HK$1,024/mo
Today · 4.125%
HK$39,690
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,380/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,618
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,881
−HK$1,284/mo
Today · 4.125%
HK$43,165
baseline
▲ 0.50% · 4.625%
HK$45,791
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,330/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,187
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,399
−HK$1,229/mo
Today · 4.125%
HK$47,628
baseline
▲ 0.50% · 4.625%
HK$50,139
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,256/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,388
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,862
−HK$1,497/mo
Today · 4.125%
HK$50,359
baseline
▲ 0.50% · 4.625%
HK$53,423
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,718/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,718
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,132
−HK$1,434/mo
Today · 4.125%
HK$55,566
baseline
▲ 0.50% · 4.625%
HK$58,495
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,132/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,927
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,822
−HK$1,925/mo
Today · 4.125%
HK$64,747
baseline
▲ 0.50% · 4.625%
HK$68,687
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,494/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,780
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,598
−HK$1,844/mo
Today · 4.125%
HK$71,442
baseline
▲ 0.50% · 4.625%
HK$75,208
+HK$3,766/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,884/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,652 · Scale 2, in force from 26 Feb 2026)