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$33,829
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,882
−HK$1,069/mo
Today · 4.125%
HK$35,951
baseline
▲ 0.50% · 4.625%
HK$38,138
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,902/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,635
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,024/mo
Today · 4.125%
HK$39,668
baseline
▲ 0.50% · 4.625%
HK$41,759
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,336/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,595
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,858
−HK$1,283/mo
Today · 4.125%
HK$43,141
baseline
▲ 0.50% · 4.625%
HK$45,766
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,282/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,162
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,373
−HK$1,229/mo
Today · 4.125%
HK$47,602
baseline
▲ 0.50% · 4.625%
HK$50,111
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,204/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,361
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,834
−HK$1,497/mo
Today · 4.125%
HK$50,331
baseline
▲ 0.50% · 4.625%
HK$53,394
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,662/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,689
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,102
−HK$1,433/mo
Today · 4.125%
HK$55,535
baseline
▲ 0.50% · 4.625%
HK$58,463
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,070/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,893
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,787
−HK$1,924/mo
Today · 4.125%
HK$64,711
baseline
▲ 0.50% · 4.625%
HK$68,649
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,422/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,743
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,560
−HK$1,843/mo
Today · 4.125%
HK$71,403
baseline
▲ 0.50% · 4.625%
HK$75,166
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,806/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,343 · Scale 2, in force from 26 Feb 2026)