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$33,915
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,970
−HK$1,072/mo
Today · 4.125%
HK$36,042
baseline
▲ 0.50% · 4.625%
HK$38,235
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,084/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,730
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,742
−HK$1,027/mo
Today · 4.125%
HK$39,769
baseline
▲ 0.50% · 4.625%
HK$41,865
+HK$2,096/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,538/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,698
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,964
−HK$1,287/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,882
+HK$2,631/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,277
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,491
−HK$1,232/mo
Today · 4.125%
HK$47,723
baseline
▲ 0.50% · 4.625%
HK$50,238
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,446/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,481
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,958
−HK$1,501/mo
Today · 4.125%
HK$50,459
baseline
▲ 0.50% · 4.625%
HK$53,529
+HK$3,070/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,918/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,823
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,239
−HK$1,438/mo
Today · 4.125%
HK$55,677
baseline
▲ 0.50% · 4.625%
HK$58,611
+HK$2,934/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,354/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,048
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,947
−HK$1,929/mo
Today · 4.125%
HK$64,876
baseline
▲ 0.50% · 4.625%
HK$68,823
+HK$3,947/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,752/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,915
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,736
−HK$1,848/mo
Today · 4.125%
HK$71,584
baseline
▲ 0.50% · 4.625%
HK$75,357
+HK$3,773/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,168/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,756 · Scale 2, in force from 26 Feb 2026)