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$33,845
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,897
−HK$1,070/mo
Today · 4.125%
HK$35,967
baseline
▲ 0.50% · 4.625%
HK$38,155
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,934/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,652
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,662
−HK$1,024/mo
Today · 4.125%
HK$39,686
baseline
▲ 0.50% · 4.625%
HK$41,778
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,372/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,614
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,877
−HK$1,283/mo
Today · 4.125%
HK$43,160
baseline
▲ 0.50% · 4.625%
HK$45,787
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,320/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,182
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,394
−HK$1,229/mo
Today · 4.125%
HK$47,623
baseline
▲ 0.50% · 4.625%
HK$50,133
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,246/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,382
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,856
−HK$1,498/mo
Today · 4.125%
HK$50,354
baseline
▲ 0.50% · 4.625%
HK$53,418
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,708/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,713
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,126
−HK$1,434/mo
Today · 4.125%
HK$55,560
baseline
▲ 0.50% · 4.625%
HK$58,489
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,120/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,920
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,815
−HK$1,926/mo
Today · 4.125%
HK$64,741
baseline
▲ 0.50% · 4.625%
HK$68,680
+HK$3,939/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,482/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,773
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,591
−HK$1,844/mo
Today · 4.125%
HK$71,435
baseline
▲ 0.50% · 4.625%
HK$75,200
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,870/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,593 · Scale 2, in force from 26 Feb 2026)