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$33,896
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,950
−HK$1,072/mo
Today · 4.125%
HK$36,022
baseline
▲ 0.50% · 4.625%
HK$38,214
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,044/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,709
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,026/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$41,841
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,675
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,941
−HK$1,285/mo
Today · 4.125%
HK$43,226
baseline
▲ 0.50% · 4.625%
HK$45,856
+HK$2,630/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,452/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,251
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,464
−HK$1,232/mo
Today · 4.125%
HK$47,696
baseline
▲ 0.50% · 4.625%
HK$50,210
+HK$2,514/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,392/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,455
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,931
−HK$1,499/mo
Today · 4.125%
HK$50,430
baseline
▲ 0.50% · 4.625%
HK$53,499
+HK$3,069/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,860/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,793
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,209
−HK$1,436/mo
Today · 4.125%
HK$55,645
baseline
▲ 0.50% · 4.625%
HK$58,578
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,290/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,013
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,911
−HK$1,928/mo
Today · 4.125%
HK$64,839
baseline
▲ 0.50% · 4.625%
HK$68,784
+HK$3,945/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,678/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,876
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,697
−HK$1,846/mo
Today · 4.125%
HK$71,543
baseline
▲ 0.50% · 4.625%
HK$75,315
+HK$3,772/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,086/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,439 · Scale 2, in force from 26 Feb 2026)