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$33,868
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,921
−HK$1,071/mo
Today · 4.125%
HK$35,992
baseline
▲ 0.50% · 4.625%
HK$38,182
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,984/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,678
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,688
−HK$1,025/mo
Today · 4.125%
HK$39,713
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,426/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,641
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,905
−HK$1,285/mo
Today · 4.125%
HK$43,190
baseline
▲ 0.50% · 4.625%
HK$45,818
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,380/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,213
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,426
−HK$1,230/mo
Today · 4.125%
HK$47,656
baseline
▲ 0.50% · 4.625%
HK$50,168
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,312/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,415
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,890
−HK$1,498/mo
Today · 4.125%
HK$50,388
baseline
▲ 0.50% · 4.625%
HK$53,454
+HK$3,066/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,776/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,749
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,163
−HK$1,435/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,529
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,962
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,858
−HK$1,927/mo
Today · 4.125%
HK$64,785
baseline
▲ 0.50% · 4.625%
HK$68,727
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,570/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,820
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,638
−HK$1,846/mo
Today · 4.125%
HK$71,484
baseline
▲ 0.50% · 4.625%
HK$75,252
+HK$3,768/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,968/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,973 · Scale 2, in force from 26 Feb 2026)