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$33,817
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,869
−HK$1,069/mo
Today · 4.125%
HK$35,938
baseline
▲ 0.50% · 4.625%
HK$38,125
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,876/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,622
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,630
−HK$1,024/mo
Today · 4.125%
HK$39,654
baseline
▲ 0.50% · 4.625%
HK$41,744
+HK$2,090/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,308/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,581
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,843
−HK$1,283/mo
Today · 4.125%
HK$43,126
baseline
▲ 0.50% · 4.625%
HK$45,750
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,252/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,146
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,357
−HK$1,228/mo
Today · 4.125%
HK$47,585
baseline
▲ 0.50% · 4.625%
HK$50,093
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,170/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,344
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,817
−HK$1,496/mo
Today · 4.125%
HK$50,313
baseline
▲ 0.50% · 4.625%
HK$53,375
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,626/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,670
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,083
−HK$1,433/mo
Today · 4.125%
HK$55,516
baseline
▲ 0.50% · 4.625%
HK$58,442
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,032/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,871
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,765
−HK$1,923/mo
Today · 4.125%
HK$64,688
baseline
▲ 0.50% · 4.625%
HK$68,625
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,376/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,719
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,535
−HK$1,842/mo
Today · 4.125%
HK$71,377
baseline
▲ 0.50% · 4.625%
HK$75,140
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,754/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,145 · Scale 2, in force from 26 Feb 2026)