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$33,867
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,920
−HK$1,070/mo
Today · 4.125%
HK$35,990
baseline
▲ 0.50% · 4.625%
HK$38,180
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,980/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,676
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,687
−HK$1,025/mo
Today · 4.125%
HK$39,712
baseline
▲ 0.50% · 4.625%
HK$41,805
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,424/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,640
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,904
−HK$1,284/mo
Today · 4.125%
HK$43,188
baseline
▲ 0.50% · 4.625%
HK$45,816
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,376/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,211
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,424
−HK$1,230/mo
Today · 4.125%
HK$47,654
baseline
▲ 0.50% · 4.625%
HK$50,166
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,308/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,413
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,888
−HK$1,498/mo
Today · 4.125%
HK$50,386
baseline
▲ 0.50% · 4.625%
HK$53,452
+HK$3,066/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,772/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,747
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,161
−HK$1,435/mo
Today · 4.125%
HK$55,596
baseline
▲ 0.50% · 4.625%
HK$58,527
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,192/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,960
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,856
−HK$1,926/mo
Today · 4.125%
HK$64,782
baseline
▲ 0.50% · 4.625%
HK$68,724
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,564/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,817
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,636
−HK$1,845/mo
Today · 4.125%
HK$71,481
baseline
▲ 0.50% · 4.625%
HK$75,249
+HK$3,768/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,962/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,953 · Scale 2, in force from 26 Feb 2026)