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$33,816
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,868
−HK$1,069/mo
Today · 4.125%
HK$35,937
baseline
▲ 0.50% · 4.625%
HK$38,123
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,874/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,620
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,629
−HK$1,024/mo
Today · 4.125%
HK$39,653
baseline
▲ 0.50% · 4.625%
HK$41,743
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,306/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,579
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,842
−HK$1,282/mo
Today · 4.125%
HK$43,124
baseline
▲ 0.50% · 4.625%
HK$45,748
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,248/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,144
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,355
−HK$1,228/mo
Today · 4.125%
HK$47,583
baseline
▲ 0.50% · 4.625%
HK$50,091
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,166/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,342
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,815
−HK$1,496/mo
Today · 4.125%
HK$50,311
baseline
▲ 0.50% · 4.625%
HK$53,373
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,622/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,668
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,081
−HK$1,433/mo
Today · 4.125%
HK$55,514
baseline
▲ 0.50% · 4.625%
HK$58,440
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,028/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,869
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,762
−HK$1,924/mo
Today · 4.125%
HK$64,686
baseline
▲ 0.50% · 4.625%
HK$68,622
+HK$3,936/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,372/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,716
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,532
−HK$1,843/mo
Today · 4.125%
HK$71,375
baseline
▲ 0.50% · 4.625%
HK$75,137
+HK$3,762/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,750/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,123 · Scale 2, in force from 26 Feb 2026)