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$33,865
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$1,070/mo
Today · 4.125%
HK$35,989
baseline
▲ 0.50% · 4.625%
HK$38,179
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,978/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,675
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,685
−HK$1,025/mo
Today · 4.125%
HK$39,710
baseline
▲ 0.50% · 4.625%
HK$41,803
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,420/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,638
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,902
−HK$1,285/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,814
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,210
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,422
−HK$1,230/mo
Today · 4.125%
HK$47,652
baseline
▲ 0.50% · 4.625%
HK$50,164
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,304/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,411
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,886
−HK$1,498/mo
Today · 4.125%
HK$50,384
baseline
▲ 0.50% · 4.625%
HK$53,450
+HK$3,066/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,768/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,159
−HK$1,435/mo
Today · 4.125%
HK$55,594
baseline
▲ 0.50% · 4.625%
HK$58,525
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,188/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,957
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,854
−HK$1,926/mo
Today · 4.125%
HK$64,780
baseline
▲ 0.50% · 4.625%
HK$68,722
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,560/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,815
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,633
−HK$1,845/mo
Today · 4.125%
HK$71,478
baseline
▲ 0.50% · 4.625%
HK$75,246
+HK$3,768/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,956/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,932 · Scale 2, in force from 26 Feb 2026)