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$33,828
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,880
−HK$1,069/mo
Today · 4.125%
HK$35,949
baseline
▲ 0.50% · 4.625%
HK$38,137
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,898/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,633
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,643
−HK$1,024/mo
Today · 4.125%
HK$39,667
baseline
▲ 0.50% · 4.625%
HK$41,757
+HK$2,090/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,334/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,594
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,856
−HK$1,283/mo
Today · 4.125%
HK$43,139
baseline
▲ 0.50% · 4.625%
HK$45,764
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,278/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,160
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,371
−HK$1,229/mo
Today · 4.125%
HK$47,600
baseline
▲ 0.50% · 4.625%
HK$50,109
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,200/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,359
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,832
−HK$1,497/mo
Today · 4.125%
HK$50,329
baseline
▲ 0.50% · 4.625%
HK$53,392
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,658/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,687
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,100
−HK$1,433/mo
Today · 4.125%
HK$55,533
baseline
▲ 0.50% · 4.625%
HK$58,460
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,066/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,891
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,785
−HK$1,924/mo
Today · 4.125%
HK$64,709
baseline
▲ 0.50% · 4.625%
HK$68,646
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,418/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,740
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,557
−HK$1,843/mo
Today · 4.125%
HK$71,400
baseline
▲ 0.50% · 4.625%
HK$75,163
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,800/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,321 · Scale 2, in force from 26 Feb 2026)