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$33,874
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,928
−HK$1,070/mo
Today · 4.125%
HK$35,998
baseline
▲ 0.50% · 4.625%
HK$38,188
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,996/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$557,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,684
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,695
−HK$1,025/mo
Today · 4.125%
HK$39,720
baseline
▲ 0.50% · 4.625%
HK$41,814
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,440/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$557,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,649
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,913
−HK$1,285/mo
Today · 4.125%
HK$43,198
baseline
▲ 0.50% · 4.625%
HK$45,826
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,396/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,221
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,434
−HK$1,230/mo
Today · 4.125%
HK$47,664
baseline
▲ 0.50% · 4.625%
HK$50,177
+HK$2,513/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,328/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,423
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,899
−HK$1,498/mo
Today · 4.125%
HK$50,397
baseline
▲ 0.50% · 4.625%
HK$53,464
+HK$3,067/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,794/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,758
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,173
−HK$1,435/mo
Today · 4.125%
HK$55,608
baseline
▲ 0.50% · 4.625%
HK$58,540
+HK$2,932/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,216/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,973
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,870
−HK$1,927/mo
Today · 4.125%
HK$64,797
baseline
▲ 0.50% · 4.625%
HK$68,739
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,594/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,832
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,651
−HK$1,846/mo
Today · 4.125%
HK$71,497
baseline
▲ 0.50% · 4.625%
HK$75,265
+HK$3,768/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,994/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,074 · Scale 2, in force from 26 Feb 2026)